4G Capital Credit Risk Manager Jobs in Kenya

4G Capital Credit Risk Manager Jobs in Kenya; 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

1. 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.

2. 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.

3. 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.

4. 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.

5. 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

● 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.

● Data-driven mindset with proficiency in modern risk decisioning tools, analytics platforms, and financial modelling.

● Ability to simplify complex risk concepts and communicate effectively with senior executives, investors, and regulatory bodies.

● Proven track record in stakeholder management, problem-solving, and strategic execution.

● Experience in fintech, high-growth lending environments, or alternative credit models is a plus.

Preference

● Experience in Non-Traditional banking credit roles, ideally in Kenya.

● Built some credit expertise in those around you.

● Demonstrated self learner.

How to Apply

For more information and job application details, see; 4G Capital Credit Risk Manager Jobs in Kenya

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