Credit Associate — MoPhones (Nairobi)

Credit Associate

Job Description

The Credit Associate is a results-oriented professional tasked with assessing creditworthiness, managing loan approvals, and driving strong repayment performance. Based onsite in Nairobi, this role is critical for maintaining a healthy and growing book of business. The Associate identifies credit trends and risk patterns to optimize portfolio quality and minimize delinquencies. By balancing business growth with rigorous risk analysis, the successful candidate contributes to the expansion of affordable technology access across the region.

Key Responsibilities

• Assess daily loan applications for creditworthiness based on income, risk profile, and repayment ability
• Manage customer account setups in CRM and finance systems with high data accuracy
• Perform structured follow-ups on repayments and escalate risky cases according to established thresholds
• Analyze portfolio data to identify credit trends, cohort risk patterns, and operational bottlenecks
• Propose improvements to credit policies, workflows, and risk mitigation strategies
• Support the design and implementation of new credit initiatives to enhance customer experience
• Maintain 100% attempt rates on courtesy calls and achieve target reach rates within defined timelines

Qualifications & Experience

• Degree in Credit Risk, Banking, Finance, Economics, or a related field
• 2–3 years of experience in credit risk, lending, or a loan officer role
• Minimum of 2 years specifically focused on credit assessment or collections
• Proven experience with lending procedures and financial spreadsheet analysis
• Familiarity with CRM or specialized lending systems
• Strong analytical judgment and reliability in meeting performance targets

Method of Application

Apply via:  MoPhones on mophones.talentlyft.com