About Our Company:

There are 20 million micro and small businesses (MSBs) across Africa and traditional microfinance is failing them. Our company  is here to fill that gap. It is on a mission to build digital financial services that help small business owners across Africa achieve their dreams. We started by building the best working capital loan product in the market, available to financially excluded businesses. That means instead of borrowing from unregulated informal lenders or family or friends, business owners can apply via the company  app in minutes, and receive capital within a day.

Since 2021 we've provided more than $100 million in working capital to 85,000 businesses in East Africa, and we are excited to do more to serve this $5 billion market. We are Uganda’s first and only YC-backed startup and are also backed by world class investors such as Serena Ventures, Onafriq, Breega, and 4Di Capital.

About the Role:

The Head of Credit Operations is responsible for developing Company’s credit strategy and managing all credit operations in East Africa. They ensure operational teams in all markets achieve Company’s objectives and key results, whilst ensuring a great client experience. This position reports to the CEO and works cross-functionally to drive success in our core lending business.

Responsibilities:

Strategy and planning

• Work closely with the Company Senior Leadership Team to develop the company’s strategy and department-level plans for achieving the company’s vision.
• Lead the development and execution of a clear operational strategic plan and budget for all country operations which includes Country Monthly, Quarterly and Annual KPIs.
• Build the credit analytics and business intelligence capacity to support the development and execution of the department’s operational strategy

Execution and operational management

• Oversee the credit department in all current and future countries of operation.
• Ensure the timely recruitment of new staff to ensure smooth operations, maximal efficiency, and portfolio growth.
• Own operational decisions by taking a data-driven approach to identify innovations or improvements within our credit operations (for example in task prioritisation, customer segmentation, role definition, incentive structures, due diligence processes, and collections SOPs). Initiate experiments, where relevant, to test the impact of new approaches.
• Build our management capacity via upskilling and mentorship, and co-develop change management strategies to ensure that new policies and insights are adopted and incorporated into our standard operations and processes across all countries of operation.
•  Chair Incentive Committee meetings, ensuring performance incentives motivate operational roles in alignment with the strategic objectives of the company .

Credit Team Culture

• Foster and encourage a culture of “systems-thinking” where individuals can take a step back and identify root cause issues to deliver on Company’s strategy, understand mutual dependency and work better together across teams.
• Manage people: articulate clear job descriptions; recruit, onboard and develop talent; manage and assess individual and team performance; and cultivate a culture of ownership, proactivity, accountability, and high performance.
• Embody and exemplify Company’s values (Client Success, Teamwork, Doing What’s Right, Experimentation, Having Fun, and Resilient Optimism) with every stakeholder, and ensure that the company’s values are embedded in all decisions and actions.

Key Performance Indicators:

• Collections
• New Client Conversion Rate
• Client Retention
• Disbursements
• Portfolio Growth

Skills & Qualifications:

• Master’s degree in Business Administration or a related from an accredited institution
• Strong knowledge of lending operations, digital credit, or financial services.
• 4 to 6 years of experience with increasing responsibility, including at least 2 years of strategy and management experience
• Experience leading operational strategy in a fast-growth tech company and conducting strategic planning processes, resource allocation and prioritization
• Professional experience with business process optimization with concrete examples of measurable improvements (automations, clever simplifications of processes, reduced task completion times, reduced costs)

Why Join Us?

At our company, you’re not just joining a fintech company - you’re joining a movement to transform financial services for millions of small business owners. We foster a culture of innovation, inclusivity, and continuous learning. Every voice matters, and every contribution drives us closer to our mission. Enjoy competitive compensation, a collaborative environment, and the opportunity to make a lasting impact.