Bussiness Analyst

ABOUT THE COMPANY

At M-KOPA, our aim is to increase access to life-improving technologies at a huge scale. We do this through an innovative credit model – pay-as-you-go asset financing – of which M-KOPA was an early global pioneer. With offices in Nairobi, Kampala, Lagos, and London, M-KOPA serves over 1 million low-income households in Sub-Saharan Africa. Since its commercial launch in 2012, M-KOPA has made its name in off-grid solar power, providing customers with solar panels and solar-powered lights, televisions, radios, fridges, and more – this is often our customers' first access to electricity.

M-KOPA's affordable credit model can also be applied to assets beyond off-grid solar power, and in 2019, we began providing credit for smartphones, which enables our customers to move from feature phones to smartphones and improve their connectivity, communication, and information access. Today, smartphone financing is a rapidly growing business line – with enormous opportunities for innovation and increasing our customer impact – and it is the focus of this Strategy Manager role.

M-KOPA currently employs over 1,000 full-time staff across its operating countries. We value progress, innovation, pragmatism, collaboration, and – most of all – our customers. We have been well recognized for our pioneering business model and scale.

JOB SUMMARY

As you embark on this role, you should bring with you 3-5 years of work experience in an analytical role, such as a credit analyst, statistician, data analyst, or researcher. This experience will serve as the foundation for your journey, providing you with the skills and knowledge needed to navigate the complexities of our credit landscape.Proficiency in Excel, PowerPoint, Word, and an understanding of statistics and quantitative methods are required. Additionally, proficiency in data analytics and familiarity with visualization tools including SQL, R, Python is preferred. These tools will be your instruments, enabling you to analyze data, create compelling presentations, and communicate your findings effectively.Your journey will require credit, data, or financial analysis skills to effectively review and report on key performance metrics. These skills will empower you to uncover hidden insights within our data, shedding light on areas for improvement and guiding our credit strategies

RESPONSIBILITIES

In contrast to other analyst roles at M-KOPA, that focus on understanding what did or will happen, the role of a Credit Analyst is to answer the "why did it happen" and "what should we do" questions. Which we bucket into three areas:Deep divesTesting ideasModellingThis role requires a swiss-army-knife skillset as you will jump from one problem to the next and quickly adapt to different datasets, modelling paradigms and commercial contexts.Imagine a role where your insights directly influence our credit behavior and performance. Your days will be filled with data analysis, creative experiments, and investigations into the causal drivers of financial issues. Your findings will not only be used internally but will also be shared with our external stakeholders.Collaborating closely with our Senior Credit Manager, you will provide key insights that drive our credit strategies. Working with credit managers and data analysts, you will formulate, investigate, and answer key credit questions, providing quality analysis that informs management on customer, product, and portfolio credit performance.Your contributions will extend to developing reports for key stakeholders, including senior management, the board of directors, and investors. Your graphical analysis, presentations, and written communications will be pivotal in conveying the performance and potential of our credit portfolio.Picture yourself conducting and reporting on experiments and initiatives designed to improve and maintain a healthy credit performance across our customer base. This could involve collections targeting, behavioral nudge campaigns, and other innovative approaches to credit management.You will also play a key role in developing credit and financial models used by the business. This includes bad debt modeling, debt collection processes, cash flow modeling, and loss rate assumptions, all of which are essential to our financial decision-making processes.Monitoring and reporting on key performance metrics of our core products and pilots will be part of your daily routine. This includes standard and non-standard forms of portfolio health and delinquency reporting, repayment rates, and other metrics critical to understanding our financial performance.Liaising with other departments, you will ensure that actions are appropriately carried out to execute key initiatives that drive improved credit performance, reduce risk, and improve accountability. Your role as a Credit Analyst is pivotal in ensuring that our financial strategies align with our organizational goals.

REQUIRED SKILLS

Python, Relational databases (SQL), Office tools: Word, Excel, Outlook, Collaboration, Quantitative methods

REQUIRED EDUCATION

Bachelor's degree