Credit and Risk Manager

HomeCredit and Risk ManagerNairobi, KenyaApply for this job Our Pitch – Who We AreMoPhones is on a mission to empower Africans with high-quality, premium smartphones that do not break the bank. By combining a trusted online marketplace, local retail presence, and integrated financing, MoPhones makes renewed devices accessible, affordable, and better for the planet through circular, lower-waste models.At MoPhones, everything we do is guided by three values: Authenticity, Ownership, and Focus.Authenticity We build trust through honesty, transparency, and real care. From clear pricing and fair policies to dependable, renewed devices, we stand behind what we promise and treat every customer with dignity.Ownership We take responsibility for outcomes. When customers choose MoPhones, they should never feel alone, we solve problems end-to-end, stand behind our products, and take pride in delivering excellent work.Focus We prioritise what matters most: making high-quality smartphones accessible and affordable. We stay disciplined about simplicity, impact, and solutions that expand access to technology across our communities.The team works with leading refurbishers and a growing network of sales agents and outlets to bring warrantied devices and flexible instalment plans to customers across Kenya, with ambitions to scale across Africa. The culture is mission-driven, data-informed, and deeply performance-oriented, with a strong bias toward ownership, coaching, and experimentation.Why This Role ExistsMoPhones operates at the intersection of e-commerce, device financing, and consumer credit. Credit is the core product and credit quality is the primary determinant of unit economics. Because our customers’ repayment behaviour and lifecycle drive both risk and revenue, this role combines classic credit risk ownership with strong customer value management and portfolio optimisation responsibilities.This role is the critical bridge between the Group Credit risk strategy and in-market execution — ensuring that Group policy is implemented consistently, that portfolio performance delivers against agreed objectives, and that the OpCo’s management team functions as a reliable partner.As part of the OpCo management team, the Credit Risk Manager translates Group strategy into daily execution, collaborates with the local credit operations team, and owns the relationships with external partners.About the RoleThe Kenya Credit Risk Manager reports to the Group Director of Credit Risk. You are responsible for translating Group policy into local execution, owning portfolio performance, and managing the country's external credit risk partner relationships. You own the country‑level credit outcomes and sit within the Kenya senior management team (SMT)Execution: driving local initiatives to successful results— whether that is implementing a new underwriting model or redesigning a sales incentive structure. You work closely with the wider Kenya senior management team to ensure the right balance between growth ambition and credit quality is maintained at all times.Monitoring: overseeing the performance of the credit operations and retail teams against agreed credit objectives. You need to be enough in the details that when performance deviates from expectation, you are responsible for ensuring a disciplined, evidence-based investigation follows. You know when an outcome reflects a policy gap, an execution failure, or an external shock, and act accordingly.This is a manager role with specialist direct reports. You are expected to operate with high autonomy, communicate credit clearly to non-technical stakeholders, including the Country General Manager, and know when to escalate to Group Credit Risk versus solve locally.Key ResponsibilitiesCountry Credit LeadershipEnforce Group credit policy locally, ensuring decisions are applied consistently across all channels and partners.Own and maintain country‑level SOPs, playbooks, and training for credit, keeping them...