MoPhones is on a mission to provide high-quality renewed devices for all Kenyans. We are looking for a results-oriented Credit Associate to assess creditworthiness, manage loan approvals, and drive strong repayment performance across our customer portfolio. This onsite role in Nairobi reports to the Director of Credit and Customer Experience and focuses on high-quality lending decisions, proactive follow-ups, and maintaining a healthy, growing book of business.
Responsibilities
First 3 Months Focus
Learn MoPhones’ credit policies, tools, and systems while consistently screening new loan applications.
Review and assess daily loan applications for creditworthiness, including income, risk profile, and ability to repay.
Support new customer account setup in CRM and finance systems, ensuring accurate data capture and documentation.
Begin structured follow-ups on repayments for approved customers and align with the credit team on risk thresholds and limits.
Beyond 3 Months
Proactively manage a defined loan portfolio, including repayment tracking, escalation of risky cases, and negotiation of repayment plans.
Identify credit trends, cohort risk patterns, and operational bottlenecks, and propose improvements to policies or workflows.
Support the design and implementation of credit initiatives that balance growth with portfolio quality and customer experience.
Success Metrics (KPIs)
Achieve 90% customer payment rates above 85% (measured at week 5 and week 12 of FY26Q1).
100% of unreached customers must have a closed action (e.g., partner/agent called or field officer visit).
Maintain a median onboarding call time of less than 5 minutes.
Qualifications and Requirements
Education: Degree in Credit Risk, Banking, Finance, Economics, or a related field (BA/BSc/HND).
Experience: 2–3 years of experience in credit risk, lending, or similar financing roles, with at least 2 years focused on credit assessment or collections.
Technical Skills: Proven experience with lending procedures, credit analysis, and using financial spreadsheets to evaluate customers.
Systems: Familiarity with CRM or lending systems to maintain accurate loan and customer records.
Attributes: High ownership, reliability, and comfort working with targets and portfolio performance metrics.
Alignment: Commitment to MoPhones’ mission of expanding access to affordable technology across Africa.
How to Apply
Interested and qualified candidates should apply online via the MoPhones recruitment portal on Talentlyft at the following link: https://mophones.talentlyft.com
