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Senior Associate, Credit Acquisition & Fraud Risk

Closing: Nov 21, 2022

This position has expired

Published: Nov 16, 2022 (16 days ago)

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Job Summary

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Apollo Agriculture is seeking a Senior Associate, Credit Acquisition & Fraud Risk, reporting to the Credit Manager, to join the Credit Team. This is an exciting opportunity to join a technology-led and data-driven company that’s changing the lives of smallholder farmers in Africa, starting in Kenya.
At Apollo, the Credit team plays a crucial role in helping us determine credit worthiness of our customers as well as anticipate risks and opportunities when financing our customers. As a key member of the Credit team, your role will be mainly focused on refining the policies and procedures around acquisition credit and fraud risk, using data-driven analytics and business judgment. More specifically, you will own and maintain the credit approval process, as well as develop and refine data-driven strategies to mitigate exposure to fraudulent borrowing. 
The ideal candidate for this position has experience working in credit risk management, proficiency in solving business problems through data analytics, ability to imagine, create and experiment and a passion for impacting the underserved. 


Requirements:

    • 4-10 years of experience, particularly in the fields of credit and risk management 
    • Experience managing a consumer lending portfolio, especially in underserved markets
    • Experience developing credit products for retail consumers. These include credit cards, line of credit and personal loans 
    • Advanced data analysis skills, including proficiency in SQL, Python and MS Office
    • Exceptional written and verbal communication skills 
    • Impeccable attention to detail 
    • A Bachelor’s or Master’s degree in a quantitative field e.g. engineering, statistics, mathematics, economics, etc. 



Responsibilities
Apollo Agriculture is seeking a Senior Associate, Credit Acquisition & Fraud Risk, reporting to the Credit Manager, to join the Credit Team. This is an exciting opportunity to join a technology-led and data-driven company that’s changing the lives of smallholder farmers in Africa, starting in Kenya.
At Apollo, the Credit team plays a crucial role in helping us determine credit worthiness of our customers as well as anticipate risks and opportunities when financing our customers. As a key member of the Credit team, your role will be mainly focused on refining the policies and procedures around acquisition credit and fraud risk, using data-driven analytics and business judgment. More specifically, you will own and maintain the credit approval process, as well as develop and refine data-driven strategies to mitigate exposure to fraudulent borrowing. 
The ideal candidate for this position has experience working in credit risk management, proficiency in solving business problems through data analytics, ability to imagine, create and experiment and a passion for impacting the underserved. 


Requirements:

    • 4-10 years of experience, particularly in the fields of credit and risk management 
    • Experience managing a consumer lending portfolio, especially in underserved markets
    • Experience developing credit products for retail consumers. These include credit cards, line of credit and personal loans 
    • Advanced data analysis skills, including proficiency in SQL, Python and MS Office
    • Exceptional written and verbal communication skills 
    • Impeccable attention to detail 
    • A Bachelor’s or Master’s degree in a quantitative field e.g. engineering, statistics, mathematics, economics, etc. 



  • Develop and refine strategies to mitigate fraud at the application stage, while at the same time guaranteeing business value and a good customer experience
  • Take ownership of the credit approval process while remaining within Apollo’s risk appetite 
  • Provide recommendations on the optimization of credit product terms including APR, Deposit, Tenure and Exposure while ensuring the structure of products and use experience translate to maximum profits and usage 
  • Develop, refine and maintain a robust monitoring framework for through-the-door distributions and acquisition performance by tracking relevant metrics 
  • Take the lead on user research and share insights with the relevant teams to inform the product and acquisition policy design 
  • Collaborate with other teams within Apollo to ensure smooth product implementation and launch 


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