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Senior Credit Analyst

Salary rangeConfidential | Contract type: Fixed term

You have 9 days left to apply for this job.

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Job Summary

WHO WE ARE
M-KOPA is the world’s leading ‘pay-as-you-go’ energy provider to off grid homes. We’ve developed a better way to provide affordable, safe and clean energy to millions of people. It was the first company to launch a SIM-enabled pay-as-you-go solar system anywhere in the world. M-KOPA is now one of the fastest growing power providers in Africa, connecting solar to 500 new homes each day. We partner with leading technology and distribution companies operating across Africa, including Safaricom, Vodacom and Microsoft. They share our commitment to transforming lives through innovation and enterprise.
Thanks to the sun’s rays and mobile technology, our customers can light up their homes, charge their phones and tune into radio and TV. They can do all this at the flick of a switch and for less than they used to spend on kerosene. Every night, hundreds of thousands of homes and 2.5 million people in East Africa are using an M-KOPA Solar home system.
M-KOPA gives you a lot more light, for less, with our affordable annual payment plan. All you need is a deposit of $30 followed by 400 daily payments of 50 cents, which is paid conveniently by mobile money. Each battery-powered 8W system comes with three lights, mobile phone-charging, and a solar powered radio. Customers can now also opt for a 20W system with digital TV. After completing the initial one-year payment plan, customers can also get more cost-effective financing for a range of productive assets. These include more lights, solar TVs, energy-efficient cooking stoves, internet-enabled smartphones, fertilizer and water storage tanks.
We sell directly to our customers through a network of 100 service centers and over 1,500 agents spanning Kenya, Tanzania and Uganda. We’ve invested in an industry-leading 24/7 customer care operation.
In June 2017, M-KOPA was named on MIT Technology Review’s 2017 list of 50 Smartest Companies. In March 2016, M-KOPA emerged boldest at the Financial Times Arcelor Mittal – Boldness In Business Awards in the developing markets category. In February 2016, M-KOPA was recognized as the Best Mobile Innovation for Emerging Markets at the Global Mobile Awards. In 2015, M-KOPA was recognized by Fortune Magazine as one of the Top 50 Companies Changing the World and won the Zayed Future Energy Prize. MKOPA has also won the 2014 Bloomberg New Energy Pioneer Award and 2013 FT/IFC Excellence in Sustainable Finance Award.
M-KOPA is backed by leading growth-stage investors including:
  • The CDC group - UK’s development Finance Institution that has invested in 1,245 businesses throughout Africa and South Asia. They were founded in 1948, making them the world's oldest DFI.
  • Generation Investment Management LLP (GIM) - A London-based investment management firm with over $10bn assets under management and an investment style that focuses on both commercial and sustainability factors. Generation was founded in 2004 by former US Vice President Al Gore and former Goldman Sachs Asset Management CEO David Blood.
  • Stanbic Bank – One of the leading financial services organizations that aims to be the leading corporate and investment banking business in, for and across Africa.
M-KOPA is seeking to hire a Senior Credit Analyst who will provide analysis, reporting, insights and communications regarding credit performance of the company’s portfolio, customers, and products and services. This includes the preparation reports used internally and by external stakeholders. In liaison with the Credit Manager, provide key insights to influence credit behaviour and performance.

Responsibilities

  • Provide quality analysis (through tools including SQL, R, statistical software, excel, PowerBI, and computer science models) to inform management on credit performance of the portfolio, products and customers.
  • Contribute to the development of reports to key stakeholders including senior management, the board of directors and investors, including graphical analysis, Powerpoint presentations, and verbal and written communications.
  • Design and implement experiments/initiatives geared towards improving and maintaining a healthy credit performance across M-KOPA’s customer base, including collections initiatives and campaigns
  • Contribution to the formation and implementation of collections practices, incentives, and salary calculations
  • Contribute to the development of credit and financial models to be used by the business, including but not limited to bad debt modelling, cash flow modelling, and loss rate assumptions
  • Monitor and report on key performance metrics on M-KOPA’s core products and pilots
  • Draft, review and suggest pricing – including credit assumptions – for new and existing products
  • Contribute to the monitoring and presentation of contribution margins by product category
  • Execute work in coordination with other departments regarding credit-related communications
  • Collaborate with the Data/Tech Team to improve data accuracy and reliability for reporting

EXPERIENCE/ SKILLS & COMPETENCIES/ LICENCES & CERTIFICATIONS/ EDUCATION REQUIRED (Minimum level of experience, skills and competencies, licences & certifications and education required to perform effectively in the role)
  • Credit, data or financial analysis skills to effectively review and report on key performance metrics
  • Interpersonal skills to effectively communicate with and manage business expectations with key stakeholders
  • A positive, learning-oriented attitude and capacity for self-empowerment
  • University degree preferably in a quantitative field, including computer science, statistics, engineering or finance
  • Two years’ work experience in a professional role
  • Knowledge of lending business practices and products preferred
  • Previous experience in finance, business intelligence or consumer credit analysis preferred.
  • Proficiency in Excel, PowerPoint, Word, and understanding of statistics and quantitative methods

Job Requirements

Required education: Bachelor's degree
Required relevant work experience: 3 years
Required languages: English (Spoken: fluent | Written: fluent)

Mandatory attachments

Please have a scan or photo of these documents ready when you start the application:

Self-prepared CV file - the employer wants to see a CV that you have prepared yourself
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