Credit Associate - Temp 6 Months at MoPhones

We are looking for a results-oriented Credit Associate (Temp - 6 months) to support our lending operations during a high-growth period. You will assess customer creditworthiness, support loan processing, and manage repayment follow-ups to maintain a healthy portfolio of financed devices. This role is based onsite in Nairobi and reports to the Director of Credit and Customer Experience.


First 3 months focus
In the first 90 days, you will quickly ramp up on MoPhones' credit policies, tools, and workflows while handling day-to-day credit tasks with accuracy and speed.
Key focus areas in the first three months:
Review incoming credit and loan applications against defined eligibility and risk criteria.
Collect, verify, and record customer financial and KYC information in our systems.
Support account setup and activation for newly approved customers, ensuring all documentation is complete.
Begin structured repayment follow-ups on assigned customers and align with the team on escalation paths.
Beyond 3 months focus
Beyond the initial ramp-up, you will focus on stabilising and improving portfolio quality, working closely with CX and sales teams. Focus areas after month three may include:
Proactively manage a defined customer portfolio, monitoring repayments and identifying early signs of risk.
Negotiate repayment arrangements within guidelines and escalate high-risk accounts as needed.
Provide feedback on recurring credit issues or process gaps and suggest improvements.
Support ad hoc credit projects linked to campaigns, new products, or portfolio clean-up.


Success Metrics (KPIs)


The Credit Associate - Temp (6 months) will be measured against these success metrics:
90% customers paid >85% (FY26Q1 wk12)
90% customers paid >85% (FY26Q1 wk5)
Courtesy Calls; 100% Attempt Rate, 95% reach rate in 5 days
100% of unreached customers have a closed action (i.e. partner/agent called customer, FCO visited customer)
<5 minutes median onboarding call time


What we are looking for


Strong analytical skills with the ability to interpret financial/repayment data and make sound recommendations.
High ownership, reliability, and comfort working in a target-driven, fast-paced environment.
Good communication skills and professionalism when speaking with customers about repayments and obligations.
Diploma or degree in Finance, Banking, Economics, Business, or a related field.
Availability to commit to a full-time 6-month temporary contract based in Nairobi.