Our Pitch – Who We Are

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.

The team works with leading refurbishers and a growing network of sales agents and outlets to bring warrantied devices and flexible instalment plans to customers across Kenya, with ambitions to scale across Africa. The culture is mission-driven, data-informed, and deeply performance-oriented, with a strong bias toward ownership, coaching, and experimentation.

About the role
We are looking for a results-oriented Credit Associate to assess creditworthiness, manage loan approvals, and drive strong repayment performance across our customer portfolio. This onsite role in Nairobi reports to the Director of Credit and Customer Experience and focuses on high-quality lending decisions, proactive follow-ups, and maintaining a healthy, growing book of business.

First 3 months focus

In the first 90 days, you will learn MoPhones’ credit policies, tools, and systems while consistently screening new loan applications and stabilising repayment performance across your assigned portfolio.

Key focus areas in the first three months:

• Review and assess daily loan applications for creditworthiness, including income, risk profile, and ability to repay.

• Support new customer account setup in CRM and finance systems, ensuring accurate data capture and documentation.

• Begin structured follow-ups on repayments for approved customers and align with the credit team on risk thresholds and limits.

Beyond 3 months focus

Beyond the first three months, the Credit Associate will focus on optimising portfolio quality, reducing delinquencies, and contributing to credit process improvements.

Focus areas after month three may include:

• Proactively manage a defined loan portfolio, including repayment tracking, escalation of risky cases, and negotiation of repayment plans.

• Identify credit trends, cohort risk patterns, and operational bottlenecks, and propose improvements to policies or workflows.

• Support the design and implementation of credit initiatives that balance growth with portfolio quality and customer experience.

Success Metrics (KPIs)

The Credit Associate 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

• 2–3 years of experience in credit risk, lending, loan officer, or similar financing roles, with at least 2 years focused on credit assessment or collections.

• Proven experience with lending procedures, credit analysis, and using financial spreadsheets to evaluate customers.

• Strong analytical skills, sound judgment, and comfort making clear approval/rejection recommendations.

• Familiarity with CRM or lending systems and ability to maintain accurate, up-to-date loan and customer records.

• High ownership, reliability, and comfort working with targets and portfolio performance metrics.

• Degree in Credit Risk, Banking, Finance, Economics, or a related field.

• Alignment with MoPhones’ mission of expanding access to affordable technology across Africa.

What you will get from us

• Competitive salary benchmarked to the Nairobi startup and commercial market, aligned with your experience and impact.

• Performance-linked incentives tied to portfolio quality, repayment performance, and credit KPIs.

• Paid time off and public holiday benefits that support rest and sustainability.

• Group personal accident and medical coverage for your well-being and security.

• Learning and development support, including training in credit systems, risk analysis, and performance dashboards.

• The opportunity to build expertise in fintech lending, portfolio management, and data-driven credit decision-making.

• A mission-driven, high-ownership team shaping access to technology across Africa.

• Monthly connects and learning forums to build capability and shared performance culture.

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.