Kifiya is an AI-powered ecosystem technology company specializing in intelligent data-driven decisioning, financial services, digital agriculture, and smart mobility infrastructure solutions. For over a decade, we have built robust technological infrastructures and implemented transformative initiatives that address market failures.
\nWe empower MSMEs, smallholder farmers, and low- to middle-income consumers by providing access to financial services and markets. Kifiya is scaling its technology infrastructure to create a more inclusive and sustainable future in Africa.
\nOver the past 14 years, Kifiya has grown from a startup into a leader in digital financial services and AI-driven technology, showcasing the power of data and innovation to drive meaningful change.
\nJob Summary:
\nThe portfolio analyst will Make sure credit risk interventions minimize provisions, maximize profits by reducing NPL (Non-Performing Loans), and strengthening credit products by portfolio management. This is a green-field start-up role in a new department that is still under development. It demands capable personalities of high integrity, strong work ethic, intelligent problem solvers, and respectful communicators who don\u2019t wash away challenges.
\nKey Responsibilities:
\nCredit Risk Management and Analysis<\/p>\n
Preparation of monthly PFI\/Bank portfolio reports
\nConduct periodic stress tests on PFI specific and\/or Product specific assigned portfolio
\nMonitor week on week trends of NPL assets and credit risk concerns.
\nMonitor trends of Non-performing loans and provide portfolio insight to business on
\ncauses of NPL growth for use by business in the improvement of product programs.
\nFollow through actions agreed between credit and business to ensure credit risk concerns are duly
\naddressed.
\nMaintain NPL-related TAT statistics for CRM to track compliance
\nMonitor KPI\/SLA targets internal to Kifiya or specific to Fund Partners specific to NPL and Guarantees<\/p>\n
Sectoral Knowledge and Advocacy<\/p>\n
Teach and coach above team peers on Kifiya Credit Risk Management and basically educate on Kifiya portfolio internally<\/p>\n
Technical Assistance and Support to Partner Financial Institutions<\/p>\n
Support TA to PFIs involved in MSME lending, mainly on the NPL portfolio management
\nReview TA materials from Program and Business for update with Kifiya Credit Risk priorities and recent changes<\/p>\n
Leadership and Collaboration<\/p>\n
Support collection teams, both Kifiya internals and PFI\u2019s
\nGuide partner A.I., Data, Tech & Product team peers on credit risk change requests and work tickets<\/p>\n
Reports to: Risk and Compliance Manager<\/p>\n
About You<\/p>\n
Qualifications & Experience
\nEducation:<\/p>\n
Degree in Business Administration, or a related field (A plus for A.I., Data Analytics\/Visualization certifications)<\/p>\n
Experience:<\/p>\n
5 years\u2019 portfolio lending experience with at least 3 years covering debt analysis and credit management
\nExposure to working in Fintech or innovative finance environments
\nExperience with digital lending and platform credit mechanisms
\nExpertise in Nano, Micro, Small, and Medium Enterprise Lending, especially unsecured loans
\nIn-depth knowledge of Early Loans cycle, portfolio management, Non-Performing Loans and Debt Recovery\/Collections. Familiarity with inclusive finance and lending targeted to credit-excluded demographics
\nStrong knowledge of National Bank of Ethiopia regulatory framework & Strong knowledge of Sharia compliant lending
\nStrong understanding of AI-based credit scoring models and their application in risk assessment
\nCapable TAT Trainer who can design & cascade Credit Risk content, and curate Lending TA (Technical Assistance) material to PFIs
\nProficiency in IT with exceptional analytical skills for portfolio analysis and risk evaluation. Ability to analyze information and report on performance of a credit portfolio<\/p>\n
Skills:<\/p>\n
Self-starter with excellent organizational and task-closure skills. Results-driven mindset with a proactive approach to problem-solving
\nAdaptive learner, able to work from big-picture to detail-orientation. Confident communicator able to articulate issues coherently<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"","_company_name":"Kifiya Financial Technologies","_company_website":"","_company_tagline":"","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[11],"job-categories":[],"job-types":[12],"class_list":{"0":"post-1170","1":"job_listing","2":"type-job_listing","3":"status-expired","4":"hentry","5":"job_listing_region-ethiopia","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-listings\/1170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/media?parent=1170"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job_listing_region?post=1170"},{"taxonomy":"job_listing_category","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-categories?post=1170"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-types?post=1170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}