Senior Analytics Manager - Credit

Senior Analytics Manager - Credit [https://app.ashbyhq.com/api/images/user-content/1d985516-2a99-43c0-b591-957f5adaceb9/5ac97b31-49cd-4012-8bb0-5caf15e33c69/B25.png] We're hiring a Senior Analytics Manager - Credit for our team based in Ghana. Your credit models will unlock financial inclusion for millions across Africa. Through predictive analytics, experiments, and strategic insights, you'll give people their first real opportunity to build financial security. [https://app.ashbyhq.com/api/images/user-content/1d985516-2a99-43c0-b591-957f5adaceb9/bf0ae8e3-5817-4495-8edd-acc2cf42dc72/image.png] THE IMPACT 💚 Your analysis will shape how we responsibly serve millions of customers across Africa. We've unlocked over $2 billion in credit for 7 million Every Day Earners. You'll translate complex credit data into executive insights that define our risk appetite and drive growth in Ghana. [https://app.ashbyhq.com/api/images/user-content/1d985516-2a99-43c0-b591-957f5adaceb9/2e2f50c2-5caf-477d-9cd9-4ab2fa97486b/image.png] THE OPPORTUNITY 🎯 Mission-driven fintech: TIME 100 company and Financial Times' Africa's fastest-growing company (2022-2025) 🚀 Scale & complexity: Processing 1.5 million daily payments across multiple African markets 💡 Technical excellence: Build predictive models, run causal analyses, shape credit strategy with rich transactional data 🌍 Real impact: 70% of customers use M-KOPA products for income generation | 2.5 million first-time internet users connected THE ROLE Lead advanced credit analytics that inform risk appetite, pricing, and portfolio strategy. Translate data into actionable insights that strengthen credit decision-making and enable sustainable, profitable growth in a rapidly scaling environment. What You'll Do: - Lead portfolio-level credit risk analytics and diagnostics—assessing performance, risk concentration, and loss drivers to directly inform risk appetite and growth decisions - Translate complex credit data into executive decision support on credit policy, terms, pricing, and new product proposals for senior leadership - Design and interpret experiments and causal analyses to test credit strategies and optimise portfolio performance - Partner with Product, Data Science, Finance, and Operations to embed analytics into credit decisioning and accelerate launches WHAT YOU NEED Digital Consumer Credit Expertise 6+ years in digital consumer credit or asset-backed fintech lending (PAYGo, BNPL, mobile lending), with direct ownership of portfolio analytics, credit performance monitoring, and risk strategy in fast-scaling environments. Advanced Analytics & Modeling Deep, hands-on expertise using SQL and Python or R to analyse large transactional datasets, build predictive loss and cash-flow models, support IFRS 9 provisioning, and run experiments to improve credit outcomes. Strategic Influence Proven track record influencing fintech growth decisions through analytics—setting or challenging credit policies, terms, pricing, and risk appetite based on data-driven insights presented to executive leadership. WHY THIS ROLE? Shape how a high-growth, mission-driven fintech uses data to make smarter, fairer credit decisions at scale. You'll work at the intersection of advanced analytics, product innovation, and real-world impact—seeing your insights directly influence strategy, risk appetite, and customer outcomes. With significant ownership, executive exposure, and complex analytical challenges using rich datasets, this role offers intellectual challenge, meaningful autonomy, and the opportunity to build systems that responsibly unlock financial inclusion for millions. You'll have the freedom to design experiments, challenge assumptions, and directly shape credit strategy. THE TEAM The Credit Risk & Analytics team manages credit risk, portfolio performance, and data-driven decision-making across M-KOPA's consumer finance products. They are an established but evolving team, scaling their ... (truncated, view full listing at source)