Credit Risk Manager at 4G Capital

4G Capital (4th Generation Capital) is Africa's fastest fintech providing ethical credit services to those who require it most. We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt. Our customers are mainly small businesses and entrepreneurs who use our credit to grow their businesses ...

 

Credit Risk Manager

  • Job TypeFull Time
  • QualificationBA/BSc/HND , MBA/MSc/MA
  • Experience5 years
  • LocationNairobi
  • Job FieldData, Business Analysis and AI 

As a Credit Risk Manager at 4G Capital, you will lead the execution of our Credit Risk strategies, ensuring a balanced, data-driven approach is applied. Leveraging credit performance data and market insights, you will collaborate with cross-functional teams to create transparent, affordable, and scalable lending solutions that empower small businesses across our markets.

Roles & Responsibilities

  • Portfolio & Credit Risk Strategy
  • Run and refine 4G Capital’s portfolio and risk management framework to support sustainable, appropriate growth and innovation in lending.
  • Work with stakeholders to evolve the risk-adjusted portfolio strategy, integrating pricing, increments, retention, financial stress management, collection and client and staff incentive structures to optimise credit access while managing risk and reward.
  • Identify and propose amendments to credit policies and product structures based on portfolio insights. Ensure credit policies are updated and reflect current policies being applied
  • Work with stakeholders to evolve fraud prevention and detection policies.
  • Work with stakeholders in piloting of new products.
  • Portfolio Performance & Market Insights
  • Continuously monitor portfolio health and trends, flagging stress and deterioration. Identify leading indicators and macroeconomic trends that influence credit performance and delinquency levels.
  • Work proactively to adjust origination, increments, retention and collection strategies to optimise performance.
  • Collections & Delinquency Management
  • Design, implement, and optimise proactive pre-and post-delinquency strategies to balance portfolio performance and customer experience.
  • Collaborate with operations, collections, product and customer support teams to refine risk mitigation efforts and enhance recovery processes.
  • Risk & Decision Science
  • Partner with decision scientists, data analysts, engineers, finance, and legal teams to drive alignment on credit risk strategy and execution.
  • Develop and maintain impactful strategy frameworks, leveraging modern data architectures and analytics tools.
  • Stakeholder & Investor Engagement
  • Provide actionable insights and portfolio performance reporting to internal stakeholders and develop understanding of risk within the Senior Management Team.
  • Provide portfolio performance reporting to external stakeholders, including debt investors, external auditors and regulatory bodies.
  • Support fund raising discussions by articulating 4G Capital’s risk and portfolio management strategy and performance expectations.

Required skills for a Regional Manager

  • Must be curious to ask questions, possess the technical skills to interact and query the data, robustly analyse the data, and then effectively communicate the findings to non-credit experts around the company.
  • More than 5+ years of experience in portfolio management, credit risk strategy, or lending policy within fintech, banking, or financial services in East Africa.
  • Bachelor’s or Master’s degree in Business, Economics, Mathematics, Statistics or a related field.
  • Strong analytical skills with expertise in credit portfolio management, risk modelling, and financial forecasting. This includes the ability to code and analyse in python.
  • Hands-on experience in developing and implementing credit policies, with a strong understanding of Kenyan and international credit regulations.

Method of Application

Interested and qualified? Go to 4G Capital on docs.google.com to apply

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