Senior Analytics Manager - Customer Behaviour

We're hiring a Senior Analytics Manager for our team in Ghana. If you've spent years building predictive models to understand customer behaviour - we want to teach you how to apply that exact thinking to credit decisions. Your models will unlock financial inclusion for millions across Africa.

Here's our philosophy: We can teach credit domain knowledge. We cannot teach analytical rigour.

The Impact 💚

Most of our 7 million customers have no traditional credit history. Yet we've unlocked over $2 billion in credit. Your challenge will be to build predictive models using alternative data to determine who gets their first smartphone, their first formal loan, their first real opportunity to build financial security. Then design experiments to continuously improve those decisions.

The Opportunity

📊 Apply your skills to new domain: Use customer behaviour analytics you already know to solve credit risk - we'll teach you the credit concepts

🚀 Massive scale & impact: 3 million active customers, 200,000 new customers monthly, 1.5 million daily payments to analyse

🧪 Experimentation culture: Constantly test credit policies through A/B tests and causal inference - measure what works

🚀 Mission-driven FinTech: TIME 100 company driving financial inclusion across Africa (Financial Times' fastest-growing company 2022-2025)

🌍 Real impact: 70% of customers use M-KOPA products for income generation | 2.5 million first-time internet users connected

The Role

Credit Analytics

• Build credit scoring models using alternative data - mobile money patterns, transactional behaviour, payment consistency signals

• Develop risk segmentation and customer profiling frameworks

• Monitor portfolio performance and identify early warning signals

• Translate customer behaviour patterns into credit risk indicators

Experimentation & Optimisation

• Design A/B tests to evaluate credit policy changes (loan amounts, terms, pricing, approval thresholds)

• Analyse experiment results to optimise approval rates, default rates, and profitability

• Run cohort analyses and measure incrementality of interventions

Strategic Analytics & Insights

• Present findings to executives and credit committees

• Develop strategic recommendations based on data analysis

• Collaborate cross-functionally with Product, Risk, Operations, Finance

• Build business cases for credit policy changes

Technical Execution

• Build automated dashboards and reporting

• Develop data pipelines for credit decisioning

• Ensure model performance monitoring and validation

What We're Looking For

Quantitative Academic Foundation

• Bachelor's degree in Statistics, Actuarial Science, Economics, Mathematics, Econometrics, or another quantitative field

Customer Behaviour Analytics (4+ years)

• Experience analysing customer/user behaviour patterns using data

• Built predictive models for business decisions (churn, retention, conversion, segmentation)

• Understanding of customer lifecycle, behavioural triggers, and pattern recognition

Predictive Modeling & ML

• Built classification/regression models that influenced business decisions

• Experience with model evaluation, feature engineering, and deployment

• Not just academic knowledge - actual production models that drove outcomes

Technical Skills

• Python OR R for data analysis and modeling (pandas, scikit-learn, statsmodels, tidyverse, caret)

• SQL for data extraction and analysis (joins, CTEs, window functions)

• Experience building models, not just running queries

Experimentation & Hypothesis Testing

• Designed or analysed A/B tests, randomised experiments, or causal inference studies

• Understanding of statistical rigour, test design, and measuring impact

Nice-to-Haves

• Business Intelligence tools: Power BI, Tableau, Looker

• Africa/Emerging markets experience: Understanding of thin-file lending, financial inclusion, or emerging market dynamics

• Credit/Fintech exposure: Any experience with lending, credit, fintech, mobile money, or payments (bonus but not required)

• Executive communication: Experience presenting to senior leadership or translating analytics into strategic recommendations

What Makes You Stand Out

We would love to hear from you if:

• You've predicted customer churn and can see how that transfers to default prediction

• You've built segmentation models and understand they're similar to risk segmentation

• You design experiments to test hypotheses, not just build dashboards

• You translate complex analytics into clear recommendations for executives

• You're excited to learn credit concepts while applying analytical skills you already have

The Team

The Credit Risk & Analytics team manages credit risk, portfolio performance, and data-driven decision-making across M-KOPA's consumer finance products. They are an established but evolving team, scaling their capabilities as the business grows in complexity and reach. Working closely with Product, Finance, and Operations, they play a central role in shaping credit strategy and performance at scale.

Benefits

• Professional development programs and coaching partnerships

• Family-friendly policies and flexible working arrangements

• Well-being support and career growth opportunities

• Hybrid working in Ghana with diverse teams across UK, Europe, and Africa

Ready to drive responsible financial inclusion through world-class credit analytics?

Apply now!

Why M-KOPA?

At M-KOPA, we empower our people to ow