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Head of Credit
SunCulture
Posted 5 months agoNairobi, Kenya
Location
Nairobi, Kenya
Job Type
Full-time
Experience
Senior
Category
Banking & Finance
Job Description
SunCulture is seeking a
Head of
Credit (PAYGrow) to own the end-to-end performance of its PAYGrow financing business.
Reporting to the
General
Manager
Kenya, this senior leadership role is responsible for credit strategy, portfolio performance, risk management, collections operations, and team leadership across
SunCulture's pay-as-you-grow solar financing product.
The ideal candidate brings deep experience in consumer or asset financing, PAYGo/fintech credit, and managing high-performing credit teams in fast-growth environments.
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Requirements
- Bachelor's degree in Finance, Economics, Credit Management, Microfinance, or related field
- 8+ years' experience in consumer or asset financing, preferably PAYGo/PAYGrow/fintech/solar financing
- 3+ years of team leadership experience in a credit function
- Strong credit risk, collections, and portfolio management experience
- Experience building and managing operational credit teams
- Strong data analysis, financial modelling, and dashboarding capability
- Proven ability to engage senior leadership, Board members, and external stakeholders
- Experience financing farmers, low-income consumers, or PAYGo energy products preferred
- Multi-market or rapid-growth environment experience preferred
- Exposure to IoT-enabled asset financing models is an advantage
Responsibilities
- Own and continuously refine the PAYGrow financing strategy across all cohorts and markets
- Evaluate portfolio performance and recommend structural improvements to loan books, payplans, and cohorts
- Partner with Finance (CFO) to support PAYGrow funding, liquidity planning, and investor reporting
- Provide accurate, timely portfolio performance updates to internal leadership, Board, and external stakeholders
- Design, refine, and enforce customer credit assessment and approval frameworks
- Reduce underqualified sales and first payment defaults through improved eligibility, affordability, and scoring models
- Define and manage credit risk KPIs (PAR 30/60, collection rate, recovery rate, churn rate, cure rate, ROI)
- Liaise with legal counsel to strengthen PAYGrow contracts and ensure compliance
- Lead, develop, and performance-manage the credit and collections team
- Drive collections strategy and operational excellence across field and digital channels
Benefits
- Equal opportunity employer committed to an inclusive and diverse workplace
How to Apply
Apply through the SunCulture careers portal.
