Credit Associate - Temp 6 months
Nairobi, Kenya
Nairobi, Kenya
MoPhones is on a mission to empower Africans with high-quality, premium smartphones that do not break the bank. By combining a trusted online marketplace, local retail presence, and integrated financing, MoPhones makes renewed devices accessible, affordable, and better for the planet through circular, lower-waste models.
At MoPhones, everything we do is guided by three values: Authenticity, Ownership, and Focus.
Authenticity – We build trust through honesty, transparency, and real care. From clear pricing and fair policies to dependable, renewed devices, we stand behind what we promise and treat every customer with dignity.
Ownership – We take responsibility for outcomes; when customers choose MoPhones, they should never feel alone, and we stand behind our products and decisions end-to-end.
Focus – We prioritise what matters most: making high-quality smartphones accessible and affordable, staying disciplined about simplicity, impact, and solutions that expand access to technology across our communities.
MoPhones partners with reputable refurbishers and a growing network of agents and outlets to bring warrantied, financed devices to customers across Kenya, with ambitions to scale across Africa.
About the role
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.
What you will get from us
Competitive temporary contract compensation aligned with the Nairobi startup and financial services market.
Performance-linked incentives tied to portfolio quality, collections performance, and agreed KPIs.
Exposure to a fast-growing fintech environment combining devices, marketplace, and financing.
Learning and development opportunities in credit operations, digital tools, and customer portfolio management.
A mission-driven, collaborative team working to expand access to affordable technology across Africa.
Come make an impact with us
Join MoPhones and help build a more inclusive future of mobile access in Africa.
MoPhones is committed to building a diverse, equitable, and inclusive team where every person can contribute, grow, and belong, regardless of their background, identity, or lived experience. The company actively welcomes candidates from underrepresented and historically excluded groups across gender, ethnicity, disability, age, religion, sexual orientation, and socio-economic background, and hires based on skills, potential, and shared commitment to the mission.
If you are excited about the role but do not meet every single requirement, you are strongly encouraged to apply; MoPhones knows that great teams are built by people with different paths and perspectives. Accommodations can be provided throughout the recruitment process on request, because an inclusive candidate and employee experience is essential to how MoPhones operates.
