An exciting opportunity exists for an experienced Credit Lead to play a key role in shaping and enhancing credit strategy across multiple African markets. This role offers the opportunity to influence credit policy, portfolio performance, profitability, and customer experience within a fast-paced, data-driven environment. Key Responsibilities: Drive the development and enhancement of credit policies and decisioning strategies. Analyse portfolio performance and recommend improvements to credit limits, scorecard cut-offs, pricing, and provisioning strategies. Design, execute, and evaluate credit experiments to improve business outcomes and customer experience. Monitor portfolio trends, identify emerging risks, and recommend corrective actions. Partner with Data Science, Finance, Operations, and Technology teams to translate analytical insights into practical business solutions. Support the implementation and governance of credit policy changes from concept through to execution and post-implementation review Requirements: 5-8+ years' experience within consumer credit risk, credit policy, risk analytics, or portfolio management. Degree in Statistics, Actuarial Science, Mathematics, Economics, Finance, or a related quantitative discipline. Strong experience in unsecured lending, credit risk management, and portfolio analytics. Advanced SQL and/or Python skills with the ability to work with large datasets. Strong understanding of credit scoring, risk-based pricing, IFRS 9 provisioning, and profitability analytics. Ability to influence senior stakeholders and translate complex data into actionable business decisions. What We're Looking For Commercially minded and analytically driven Strong problem-solving and decision-making abilities Comfortable challenging assumptions and influencing outcomes Passion for innovation, continuous improvement, and customer-centric solutions Willingness to travel across Africa on a quarterly basis If you're looking for an opportunity where your insights will directly shape credit strategy, drive growth, and create meaningful impact across African markets, we'd love to hear from you. Apply today or reach out confidentially to discuss the opportunity further. For Finance Roles: For more exciting Actuarial & Analytics vacancies, please visit: Network Recruitment International I also specialise in recruiting: Actuarial (Life, Short-Term, Pensions, Health, Quant) Data Science & Advanced Analytics Pricing & Product Modelling Market, Credit & Quantitative Risk Machine Learning & AI Specialists If you have not received a response within two weeks, please consider your application unsuccessful. Your profile will remain on our database for future opportunities. For more information, contact: Kholo Mongalo Recruitment Researcher - Actuarial & Analytics Connect with me on LinkedIn: Kholo Mongalo on LinkedIn