Position is open
Level:
Place: Credit Operations
About the job
Role overview
Pezesha is a fast-growing digital credit provider and financing platform focused on serving underserved SMEs in Kenya and Uganda. As we continue to scale our impact and improve our credit processes, we are seeking a
full-time Credit Operations Consultant
to lead critical enhancements to our lending and risk management operations across both markets.
This is a
12-month full-time consulting contract
, with the
potential for renewal
based on performance and evolving business needs.
Objectives & Responsibilities
Assess existing credit risk policies, provisioning, waivers, and write-off frameworks, against best practices, identifying gaps
Develop risk mitigation strategies and provide guidance on regulatory compliance and portfolio management
Review and optimize credit and collections processes, ensure operational efficiency in disbursements, credit management and collections and identify gaps
Assess and mitigate against fraudulent practices within Credit Operations, data and technology team (processes)
Monitor trends and key performance indicators (KPIs) within digital lending workflows to identify and address bottlenecks
Conduct regular performance reviews of the lending portfolio, including metrics such as repayment rates, delinquency trends, and portfolio yield
Conduct competitive analysis, identify market gaps, and provide insights to inform credit product development
Collaborate with Senior Credit Risk Consultant to support improvements to credit operations, risk management, and collections
Join the credit committee and offer insights based on weekly performance reviews to enhance the overall loan book performance
Maintain comprehensive documentation and reporting for audits and regulatory reviews.
Review underwriting and loan origination risk management framework, identify areas for improvements and provide recommendations that align with business objectives and risk tolerance
Ensure credit and collections processes are synchronized
Deliverables
Comprehensive gap report of existing credit processes from origination to collections
An updated credit policy with underwriting and portfolio management guidelines
Risk mitigation strategy designed and integrated into credit processes to support portfolio quality
Recommendations provided for improved credit scoring models, risk management strategies, and collections processes based on data analysis
Training materials developed and sessions conducted for internal teams on enhanced credit operations and risk management processes
Guide the implementation of the updated policies and recommendations across the relevant credit teams
Success in this role will be measured by improvements in portfolio performance metrics (e.g., reduction in PAR 30+, increase in collections efficiency, and overall loan book growth)
Qualifications
Bachelor’s or Master’s degree in Actuarial Science, Finance, Business or a related field
At least 7 years of managing credit operations and credit risk for lending institutions
Expert knowledge of credit underwriting, loan servicing, and risk management processes
Strong understanding of credit-decisioning models and credit process automation
Prior experience in leadership roles in credit operations and credit risk management
Excellent communication, analytical and presentation skills with the ability to convey complex technical concepts to non-technical stakeholders
Ability to collaborate effectively with cross-functional teams and external partners to achieve project objective
Knowledge of financial regulations in the lending and financial services sectors
Has practical experience working for bank, SME lender and/or digital lender
Track record of optimizing loan book performance through credit policy refinements and risk management strategies
How To Apply: Please send your CVs and cover letter to jobs@pezesha.com. Kindly indicate the title of the job on the subject header of the email (Consultant – Credit Operations Expert). Please apply by 30th June 2025.