Strategy Manager Job at Credit (Work at M-Kopa)

• Application Deadline: July 26, 2024
• Position: Strategy Manager – Credit
• Company: M-KOPA
• Location: Kenya
• URL: M-KOPA – Strategy Manager

To thrive in this role, you must combine analytical skills with project management experience. Your main task will be to examine the credit portfolio, using both qualitative and quantitative data to address key questions.

You need to pinpoint issues, plan an approach, manage data analysis, and present actionable solutions.

Key Responsibilities

1. Leading Analysis and Management:
You’ll take charge of analyzing credit performance, overseeing the company’s portfolio, and managing customer data.

This involves multi-source data analysis, designing experiments, testing hypotheses, and creating presentations and reports for internal and external stakeholders.

2. Strategy on Credit Management:

• Business Criteria Evaluation: Evaluate business proposals to ensure they meet the set criteria and that credit risks are within acceptable limits. Approve and recommend suitable credit facilities, including terms and conditions.
• Strategic Leadership: Provide strategic insights and advice to senior management, contributing to the company’s overall strategic direction.
• Risk Analysis: Identify, measure, and assess credit risks relating to the profitability and financial viability of business banking credits.
• Quality Analysis: Deliver high-quality analysis using tools like SQL, R, Python, Excel, and BI visualization.
• You’ll also need to regularly report on portfolio and product performance and handle ad-hoc investigations.
• Initiatives and Experiments: Design and implement initiatives aimed at improving credit performance. This role requires extensive collaboration with other departments.
• Industry Monitoring: Stay updated with industry developments and trends, especially those impacting customers and underlying portfolios.
• Economic and Market Data Analysis: Consolidate and maintain economic and market data for use in portfolio analysis and stress testing.

Strategy on Systems Review & Reporting

• Model Development: Help create credit and financial models, including IRSR 9 provisioning, bad debt modeling, cash flow, and predictive loss rate models.
• Performance Monitoring: Regularly report key performance metrics for M-KOPA’s core products and pilots, including portfolio health, delinquency reporting, and repayment rates.
• System Improvement: Challenge existing credit management systems and practices, implementing enhancements where necessary.
• Stakeholder Reporting: Develop reports for senior management, country leadership teams, and investors using graphical analysis and presentations.
• Innovation: Continuously test new data and analytics approaches to improve credit systems.
• Root-Cause Analysis: Analyze granular segment-level portfolio performance to identify trends and conduct root-cause analysis.

Team and Stakeholder Management

• Stakeholder Relations: Build relationships with key stakeholders to improve business proposals’ quality and reduce turnaround times for pricing or product launches.
• Effective Communication: Clearly communicate technical subjects to team members and stakeholders.
• Cross-Functional Collaboration: Foster a collaborative environment with cross-functional teams, encouraging diverse viewpoints and creativity.
• Leadership: Lead transformative efforts in bad debt provisioning and adjustments, improving credit performance, product, service, and pricing decisions.

Expertise

Your expertise should showcase a well-rounded mix of technical know-how, hands-on experience, and leadership qualities in the credit sector.

You should have worked in analytical fields like consumer credit, asset finance, or data science.

Managing teams, portfolios, and projects should be in your repertoire.

Key tools you need to be comfortable with include SQL, R, Python, PowerBI, Excel, PowerPoint, and Word.

Expect to be skilled in credit and financial analysis to assess and report key metrics.

Knowledge of emerging markets in the lending business is greatly valued, as well as strong interpersonal and presentation skills for effective communication with team members and senior stakeholders.

You should also have a good understanding of business concepts like ROI analysis, discounted cash flow, causality, and statistical significance.

An undergraduate or graduate degree in fields like economics, data analytics, computer science, statistics, engineering, or finance is preferred.

This combination of education and practical experience ensures that you are ready to tackle the challenges in credit strategy management effectively.

Our hiring process is as much about us selling to you as the other way round. The interview process will be as follows:

To join M-KOPA, you will experience an interview process focusing on mutual fit. Our goal is for you to understand us, just as we aim to understand you.

1. Recruiter Call (30 mins)
   This initial call introduces you to M-KOPA and outlines the process.
2. Hiring Team Call (30 mins)
   This call involves meeting the Credit Team for high-level introductions.
3. Take Home Assessment
   A detailed look into the role’s responsibilities and expectations.
4. Personality Test
   Understanding self-awareness is crucial for our team dynamics.
5. Stakeholder Interview (60 mins)
   This comprehensive interview is where you will interact with various team members; it’s a key part of the process.

At M-KOPA, we prioritise your career advancement through programs, coaching, and on-the-job training. We also offer family-friendly policies, well-being support, and flexible work arrangements.

Recognised for our rapid growth and influence, we have empowered over 3 million customers, providing significant credit for the unbanked across Africa. Join us and contribute to our shared success.