Job Purpose Statement

The Manager, Credit Operations, is a strategic leader responsible for designing, implementing, and optimizing end-to-end digital credit processes across five markets: Kenya, Uganda, Tanzania, Rwanda, and Ghana. This role is crucial for scaling Mobile Savings & Loans (MSL) and LOOP platforms.

You will lead the operationalization of new credit products, using automation, AI-driven decisioning, and intelligent workflows to enhance customer outcomes and operational efficiency. A key part of your role will be to manage the credit administration teams and provide oversight to in country portfolio analysts. You will also be responsible for ensuring full compliance with all relevant credit policies and regulations.

This position requires a leader who can effectively integrate traditional banking practices with modern digital credit models to transform credit operations into a high-performing, tech-enabled, and insight-driven function that directly supports business growth.

Key Accountabilities (Duties and Responsibilities)

Financial Management (20%):


Reduce operational costs by at least 15% year-over-year through automation and AI integration.
Resolve 100% of identified revenue leakages (e.g., interest misapplications) within 30 days.
Ensure a minimum return on investment of 1.5x on automation projects within 12 months.
Achieve 100% on-time and accurate CRB reporting compliance across all countries.


 Internal Business Processes (30%):


Design and document end-to-end credit operational workflows for all new product launches.
Automate at least three high-impact credit processes each year, such as CRB reporting and loan disbursements.
Ensure all new ecosystem products (Retail, Agri, Health, etc.) have full credit operations readiness.
Maintain robust system controls with a 0% failure rate for all loan lifecycle stages.
Ensure 100% alignment with approved sanction parameters and loan limits.
Maintain a