d.light is a pioneering global leader in delivering affordable solar energy solutions to households and small businesses in developing countries. The company empowers people without access to reliable electricity with solar lighting and energy systems, impacting millions of lives. As part of its continued mission to provide accessible, clean, and sustainable energy to underserved populations, d.light Kenya is seeking an experienced and driven professional to join its team as the Credit Manager.
This is a key leadership role based in Nairobi, Kenya, offering an exciting opportunity for professionals passionate about financial inclusion, operational excellence, and customer-centric solutions.
About d.light and the Credit Risk & Collections Team
d.light was founded with a vision to transform the lives of people who do not have access to reliable power. The company has since expanded its product portfolio and its operations across multiple countries, becoming a critical player in the Pay-As-You-Go (PAYGO) solar energy market.
At the heart of d.light’s sustainable business model is its Credit Risk & Collections team, responsible for overseeing the health of the customer portfolio through effective risk assessment, monitoring, and repayment collection strategies. This team plays a pivotal role in ensuring the company maintains its repayment performance, customer satisfaction, and financial viability.
The Credit Risk & Collections team is committed to leveraging data-driven insights and operational expertise to support customer-facing teams, design innovative credit strategies, and continuously improve the customer credit journey.
Position Overview: Credit Manager – Kenya
Job Location: Nairobi, Kenya
Reporting To: Kenya OpCo Managing Director (MD)
Dotted Line Reporting: Group Credit Operations Manager
Job Tier Level: Band B
Direct Reports: None
The Credit Manager for the Kenya operation is a crucial role that supports the sales, customer experience, aftersales, and field collections teams. The role involves overseeing field collection activities, contributing to strategy design and execution, managing credit-related projects, and working closely with cross-functional teams to meet and exceed credit risk and collection targets.
The role requires a professional with a deep understanding of the PAYGO sector, strong data and operational acumen, and the ability to lead initiatives that drive repayment performance and reduce credit risk.
Key Responsibilities
The Credit Manager’s duties are both strategic and operational in nature, covering a wide range of credit management activities. Key responsibilities include:
- Strategic Credit Management Support
- Assist customer-facing departments such as Sales, Customer Experience, Field Collections, and Aftersales in implementing and refining their credit strategies.
- Ensure that all activities are aligned with company targets related to credit risk and collection performance.
- Implementation of Credit Operations Improvements
- Design, manage, and implement improvements in credit risk assessment, monitoring, and management practices.
- Lead key initiatives, develop documentation, drive rollout plans, and oversee field execution.
- Measure the effectiveness of credit initiatives against defined KPIs and success metrics.
- Cross-functional Coordination and Support
- Provide hands-on support to the Kenya OpCo Managing Director and departmental heads.
- Guide management in the ongoing development and improvement of credit-related processes.
- Ensure cross-team collaboration and information sharing to promote credit discipline across all customer touchpoints.
- Training and Capacity Building
- Work with training managers to create tailored training plans, procedural documents, and learning materials.
- Support the delivery of credit best-practices training to field teams, call center staff, and other relevant personnel.
- Field Collections Oversight
- Take operational responsibility for the Field Collections function within Kenya.
- Provide guidance and day-to-day management support to field staff to ensure effective collections and customer winback efforts.
- Performance Monitoring and Reporting
- Prepare and deliver regular updates and performance reports for internal stakeholders including the Kenya MD, Global Credit Operations Manager, and Director of Credit Risk & Collections.
- Use insights from reports to inform and adjust credit strategies in real time.
- Technology and Data Tool Rollout Support
- Assist in deploying new technological tools, dashboards, and data systems for the field collections team.
- Provide practical feedback to improve systems and ensure usability in real-world field conditions.
Key Performance Indicators (KPIs)
The Credit Manager will be accountable for driving performance across several key metrics that reflect the effectiveness of the credit and collections strategy:
- Early Risk: Proactively identifying and mitigating risk signals in the early stages of the customer journey.
- Usage Rate: Monitoring customer engagement and system usage to anticipate payment behavior.
- Portfolio at Risk (PAR): Managing the overall credit health of the customer portfolio.
- % Paid at Milestones: Ensuring timely payments according to customer repayment schedules.
- Winback Rate: Successfully re-engaging and recovering customers who have defaulted or stopped making payments.
- Cash Collected: Maximizing revenue collection while ensuring customer satisfaction and retention.
Required Skills and Experience
Candidates for the Credit Manager role should bring a strong blend of operational expertise, analytical skills, and interpersonal ability. The ideal candidate will demonstrate the following:
- At least 5 years of experience in the PAYGO or similar industry with a focus on credit management, collections, or last-mile distribution.
- Demonstrated success in managing complex projects and delivering results in dynamic environments.
- Ability to work across multiple departments and lead cross-functional initiatives.
- Strong verbal and written communication skills to coordinate with diverse teams.
- Proficiency in using digital productivity tools, especially Google Slides, Docs, and Sheets.
- Capability to work independently, make decisions under pressure, and manage competing priorities.
- Strong field orientation and readiness to travel for operational support and performance evaluation within Kenya and potentially across other d.light operating countries.
- Fluency in both English and Swahili is essential.
- A formal qualification or degree related to finance, business, or operations is an advantage but not a strict requirement.
What Makes This Role Unique
This position is ideal for professionals who thrive in fast-paced environments and are passionate about social impact. It offers the opportunity to directly influence the success of d.light’s business and social mission in Kenya, ensuring that customers benefit from reliable energy while maintaining financial sustainability for the company.
The Credit Manager will enjoy high-level exposure across regional and global teams, work on impactful initiatives, and gain experience in managing performance at scale using data-driven insights. This is a career-enhancing opportunity to be part of a mission-driven organization shaping the future of clean energy access in Africa and beyond.
Why Join d.light
At d.light, people are at the center of every initiative. The company prides itself on its inclusive, innovative, and dynamic culture. By joining d.light, you become part of a global team of professionals working tirelessly to improve lives through technology.
You’ll work with passionate colleagues across various functions, gain access to cutting-edge tools and technologies, and contribute to solutions that matter. d.light also invests in professional development and values autonomy, integrity, and collaboration.
Application Process
If you are excited about this opportunity and meet the qualifications outlined, we encourage you to apply. Kindly ensure you submit both a cover letter and a current CV as part of your application.
Note: Submission of both documents is mandatory for consideration. Only shortlisted candidates will be contacted.
Applications should be submitted via the official application portal.
