Credit Analyst, Accra, M-KOPA

Credit Analyst, Accra, M-KOPA

Role Responsibilities/ Responsabilités du rôle

Who we are, and what we do

PEG delivers Pay-As-You-Go (PAYG) asset-based financing to consumers who lack both access to reliable electricity and formal banking services. PEG’s anchor product – a basic solar home system that includes six lights, a phone charger, a radio, and a TV – allows consumers living on $5-10 per day to access clean light for working and studying after hours, avoid harmful air pollution from kerosene based lighting solutions, and also build credit for additional products and services over time. We are also scaling income-generating energy assets such as solar-pumps, solar generators and solar fridges for households and SMEs.

To date, PEG has raised over $60 million and has over 500 full time staff across Ghana, Ivory Coast, Senegal and Mali. PEG has also won numerous awards, including the prestigious Ashden International Award for excellence in sustainable energy, and was named as one of the “fastest growing companies in Africa” by the London Stock Exchange.

Responsibilities include:

The candidate will be working within the Corporate Finance team on PEG’s overall fundraising strategy, specifically managing the strategy’s grant funding component.

Key responsibilities will include:

Grants Strategy

In conjunction with the rest of the Corporate Finance team and PEG’s Senior Leadership Team, help PEG formulate its annual grant strategy, determining grant revenue targets per country and parameters for which grants will help PEG meet its strategic objectives.

Seek out grant funding opportunities that align with the agreed upon parameters, and act as a central clearing house for opportunities found by other team members.

For grants which meet company objectives, support country teams in a pre-application process of mapping out implementation, including budgeting, personnel required, and likely risks, for approval by PEG’s Grant Committee.

For grants chosen for application, write concept notes, proposals, budgets and other documents required.

For shortlisted grant proposals, manage detailed due diligence processes as needed.

For successful grant proposals, manage reporting and ongoing relations with Grantors, and support management of milestone reporting and cash disbursement.



Strong written/oral communication

Budgeting (strong excel skills a plus)

Monitoring + Evaluation


Project planning and project management

Must speak English. French is a big plus.

Base location flexible- within PEG’s markets

Willing to spend up to 1 week/month in any of PEG’s other markets

PEG is an equal opportunity employer committed to diversity. All qualified candidates regardless of age, sex, ethnicity, race, and religion are encouraged to apply. If you don’t think you meet all the criteria below but are still interested in the job, please apply. Nobody checks every box – we’re looking for candidates who are particularly strong in a few areas and have some interest and capabilities in others.

At M-KOPA, We Finance Progress.

The scale and impact of our work is massive. M-KOPA is a fast-growing Fin Tech company offering millions of underbanked customers across Africa access to life-enhancing products and services. From our roots as the pioneer in pay-as-you-go “PayGo’” solar energy for off grid homes, we have grown into one of the most advanced connected asset financing platforms in the world, empowering a broad range of customers to achieve progress in their lives.

Job Purpose

Provide analysis, reporting, insights, and communications regarding credit performance of the company’s portfolio, customers, and products and services. This includes undertaking data analysis, conducting creative experiments, investigating causal drivers of issues, and preparing reports used internally and by external stakeholders. In liaison with the Credit Manager, the analyst shall provide key insights to influence credit behavior and performance.

The role is a global role, with a preference for experience in Ghana.


Work with credit managers and data analysts to formulate, investigate and answer key credit questions and provide quality analysis to inform management on the customer, product, and portfolio credit performance

Contribute to the development of reports to key stakeholders including senior management, the board of directors and investors, including graphical analysis, presentations, and verbal and written communications.

Conduct and report on experiments and initiatives geared towards improving and maintaining a healthy credit performance across M-KOPA’s customer base, such as collections targeting, behavioural nudge campaigns, etc.

Contribute to the development of credit and financial models to be used by the business, including but not limited to bad debt modelling, debt collection processes, cash flow modelling, and loss rate assumptions

Monitor and report on key performance metrics on M-KOPA’s core products and pilots, including standard and non-standard forms of portfolio health and delinquency reporting, repayment rates, etc.

Liaise with other (typically more operational) departments to ensure that actions are appropriately carried out to execute on key initiatives to drive improved credit performance, reduce risk and improve accountability.


3-5 years of work experience in an analytical role, such as a credit analyst, statistician, data analyst, or researcher

Credit, data, or financial analysis skills to effectively review and report on key performance metrics

Knowledge of lending business practices and consumer credit in emerging markets is strongly preferred.

Strong interpersonal and presentation skills to effectively communicate with colleagues and senior stakeholders

A positive, learning-oriented attitude and capacity for self-empowerment and creative thinking

University degree preferably in a quantitative field, including statistics, engineering, accounting, or economics

Proficiency in Excel, PowerPoint, Word, and understanding of statistics and quantitative methods required

Proficiency in data analytics and familiarity with visualization tools including SQL, R!, Python preferred

M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.

M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’ or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.

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