Director, Credit Risk and Analytics at Inkomoko

Inkomoko

  • Nairobi
  • Permanent
  • Full-time
  • 12 days ago
ABOUT THE OPPORTUNITY AND RESPONSIBILITIESThe Director of Credit Risk and Analytics is responsible for leading and overseeing the back-office functions that underpin Inkomoko’s financial services operations. This role provides strategic direction and operational oversight across risk management, digital systems, and analytics to ensure scalable, data-driven, and compliant delivery of Inkomoko’s lending and investment activities. The Director ensures high performance of departmental teams and alignment with the organization’s impact goals through strategic foresight, strong cross-functional collaboration, and innovation.Key ResponsibilitiesDepartmental Leadership & Strategy
  • Provide strategic direction for all back-office credit functions, including credit operations, risk monitoring, reconciliations, and portfolio analytics, ensuring alignment with the organization’s mission and 5-year outlook.
  • Design and implement enterprise-wide credit risk and digital financial strategies that balance growth and sustainability.
  • Oversee the department’s Balanced Scorecard implementation, ensuring KPIs are met and resources are effectively deployed.
Risk Management Oversight * Develop and embed robust second line of defense systems, including credit policy enforcement, risk monitoring frameworks, reconciliations, and compliance protocols.
  • Surface emerging risks and lead proactive mitigation initiatives across countries, ensuring portfolio sustainability.
  • Champion risk-based thinking across all investment and product functions, embedding a culture of accountability and foresight.
Technology and Systems Oversight
  • Oversee the evolution and strategic use of the Core Banking System, ensuring it supports operational efficiency, scalability, and user experience.
  • Lead development of credit scoring algorithms, early warning systems, and digital lending innovations that enhance decision-making and client engagement.
  • Ensure technology adoption across back-office credit workflows to strengthen controls and improve client outcomes.
Data & Analytics for Decision Making
  • Drive the delivery of timely, accurate, and insightful dashboards and performance reports to inform leadership decisions.
  • Lead development of predictive analytics and performance forecasting models to anticipate portfolio trends.
  • Collaborate with cross-functional leaders on financial modeling and scenario planning to guide strategy.
Team Development and Collaboration
  • Recruit, mentor, and develop a high-performing team of managers and specialists across risk, systems, credit operations, and analytics.
  • Foster a culture of innovation, continuous improvement, and collaboration across front- and back-office credit functions.
  • Cascade coaching, feedback, and accountability to strengthen execution and ownership.
Compliance & Regulatory Readiness
  • Ensure credit risk, systems, and digital finance protocols comply with regulatory standards across all countries of operation.
  • Proactively assess compliance risks and maintain readiness for internal and external audits.
  • Align policies and systems with evolving industry regulations and best practices.
RequirementsWE ARE LOOKING FOR SOMEONE WITH:
  • Master’s degree in Finance, Risk Management, Information Systems, or related field.
  • 10+ years of progressive experience in risk, systems, or operations in banking, fintech, or financial inclusion environments.
  • At least 5 years in a senior leadership or cross-functional management role.
  • Experience managing Core Banking Systems, digital financial platforms, or enterprise risk systems.
  • Experience working in multi-country operations and regulatory contexts.
  • Knowledge of digital lending, microfinance, or financial inclusion in underserved markets.
COMPETENCIES
  • Thinks and Plans Strategically - Identifies opportunities using future-focused thinking (5+ years ahead); creates a strategic path to operationalize work plans
  • Coaches - Facilitates skill development by asking the right questions and providing motivational feedback; enables others and builds their confidence and self-esteem to solve problems independently.
  • Manages Complexity - Making sense of information to effectively solve problems
  • Leadership - Operates with commitment to values and culture, while supporting the growth and development of others.
EXPECTED BEHAVIOURS
  • Drives Balanced Scorecard targets at the departmental level and ensures progress across workstreams.
  • Communicates the strategic importance of the Risk and Systems functions to Inkomoko’s mission.
  • Conducts inclusive and strategic hiring to strengthen department capabilities.
  • Ensures new staff are welcomed, trained, and integrated successfully.
  • Identifies and responds to unforeseen risks and opportunities, escalating when needed.
  • Cultivates leadership within their team, mentoring managers to extend coaching and accountability.
  • Oversees departmental financial performance using data to inform decisions.
  • Creates and delivers clear communications to internal and external stakeholders.
  • Ensures regulatory compliance across systems and processes.
  • Leads scenario planning to forecast department needs and mitigate risks.
  • Identifies partnerships and technology solutions to expand Inkomoko’s operational advantage.
  • Leverages networks to bring in top talent and resources.
  • Models continuous learning and professional growth.
ATTITUDE
  • Embodies and reinforces Inkomoko’s values in decision-making, communication, and leadership.
  • Coaches and inspires with humility and authenticity.
  • Centers client outcomes and field realities in departmental strategies.
  • Champions ownership, inclusion, and recognition within the team.
  • Takes initiative in interdepartmental collaboration and learning.
Method of ApplicationInterested and qualified? Go to to applyBuild your CV for free.

Myjobmag