Head of Customer Finance

Position Title: Head of Customer Finance

Industry Sector: Renewable Energy

Remuneration: Kshs. 500,000 – 650,000

Location: Nairobi

Role Mandate

The Head of Customer Finance is a critical senior leadership position responsible for the integrity and profitability of the company’s lending portfolio in Kenya. Operating at the intersection of finance and technology, you will advance the credit function by localized global frameworks for the mobile-money-based lending landscape. You have full authority over credit risk assessment, loan monitoring, and collections strategies, ensuring that the organization scales its customer base without compromising asset quality. As a key advisor to the Country Leadership Team, you will manage the Customer Finance department as a high-performing profit center.

Functional Responsibilities

Strategic Credit Leadership & Innovation

• Define the national customer finance strategy, aligning risk-based pricing and segmentation with global business objectives.

• Pioneer advancements in digital lending models, leveraging mobile money data and consumer insights to refine credit policies.

• Act as the primary authority on risk-return trade-offs, providing strategic direction for geographic and product expansion.

• Lead market intelligence efforts to benchmark credit offerings against competitors and emerging industry trends.

Portfolio Ownership & Risk Governance

• Own the end-to-end performance of the credit portfolio, focusing on growth, profitability, and Non-Performing Loan (NPL) mitigation.

• Establish best-in-class underwriting standards and personally approve complex or high-value credit decisions.

• Design and implement sophisticated early warning systems to identify and remediate portfolio health issues proactively.

• Ensure absolute compliance with Kenyan regulatory requirements, internal credit policies, and credit bureau reporting standards.

Operational Excellence & Financial Accountability

• Direct day-to-day credit operations, including assessment, underwriting, and recovery across the full customer lifecycle.

• Optimize operational efficiency through process automation and digital integration to support rapid sales growth.

• Manage the department's budget and financial performance metrics, ensuring all activities contribute to the institution's sustainability.

• Lead crisis response strategies to mitigate the impact of market shocks or sudden portfolio underperformance.

Professional Requirements

Background & Experience

• Education: Bachelor’s degree in Finance, Economics, or Banking; a Master’s degree is preferred.

• Certification: Must be a holder of CPA-K.

• Tenure: Minimum 8+ years of experience in credit management, lending, or portfolio oversight.

• Sector Knowledge: Proven background in Microfinance (MFI), SME Banking, or Mobile Network Operators (MNO).

• Technical Savvy: Exposure to digital/mobile lending systems and credit scoring algorithms is an added advantage.

Executive Competencies

• Analytical Prowess: Ability to interpret complex financial data to drive risk-mitigation strategies.

• Leadership: Experience in scaling high-performing credit organizations and mentoring future leadership capacity.

• Stakeholder Influence: Strong ability to partner with Sales and Operations to align growth targets with risk appetites.

• Accountability: A performance-driven mindset focused on results, integrity, and continuous process improvement.

Value Proposition

• Strategic Authority: Full ownership of the credit function within a leading renewable energy firm.

• Executive Compensation: A monthly gross salary ranging from Kshs. 500,000 to 650,000.

• FinTech Integration: Lead the charge in high-impact mobile-money-based lending and sustainable energy financing.

Direct your application for the "Head of Customer Finance" role by sharing your updated CV, ensuring your experience in digital lending and portfolio management is clearly highlighted. Apply today.