Head of Lending, Kenya

Moniepoint Group
Nairobi
Workplace: RemoteFull timeFunction: Banking, Lending & CreditExperience: 8+ yearsSkills: ["Quantitative analysis","Cross-functional influence","Commercial strategy","Leadership","Decision-making"]

Own the commercial and credit strategy for Moniepoint’s SME lending business in Kenya, including full lending P&L, pricing for risk, and portfolio performance. Build the lending book from zero, drive distribution via direct and partner channels, and ensure prudent, compliant lending in collaboration with Product, Data Science, Risk & Compliance, and Finance. Lead and hire a commercial lending team while negotiating strategic partnerships.

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Moniepoint Group
Moniepoint Group
4 days ago

Head of Lending, Kenya

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Job Summary

Own the commercial and credit strategy for Moniepoint’s SME lending business in Kenya, including full lending P&L, pricing for risk, and portfolio performance. Build the lending book from zero, drive distribution via direct and partner channels, and ensure prudent, compliant lending in collaboration with Product, Data Science, Risk & Compliance, and Finance. Lead and hire a commercial lending team while negotiating strategic partnerships.
Location: Nairobi
Workplace: Remote
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Sr. Director level

Key Responsibilities

  • •Own the lending P&L, building budgets, forecasts, and reporting cadence for portfolio health and profitability.
  • •Set commercial and credit strategy, including which SME segments and loan terms to prioritize and how to price for risk.
  • •Grow a healthy SME lending portfolio from zero, increasing disbursement volumes and revenue while controlling default rates and portfolio quality.
  • •Drive lending distribution through direct sales and partner channels, aligning with broader customer acquisition motion.
  • •Build and lead the commercial lending team, hire leadership for portfolio/relationship management and collections, and establish strategic partnerships.

Key Requirements

  • •At least 8 years of experience in lending, specifically including originating, underwriting, pricing, and managing loan portfolios.
  • •Direct, demonstrable ownership of a lending P&L, including revenue, cost of funds, credit losses, and growth vs. portfolio-quality trade-offs.
  • •Proven experience building or scaling an SME (or comparable) lending book, particularly where credit risk is challenging and credit history data is thin.
  • •Strong quantitative and analytical ability to manage lending unit economics, portfolio performance metrics, and credit risk concepts.
  • •Ability to operate cross-functionally through influence while depending on Product, Data Science, Risk, Compliance, and Finance without owning those functions.
Experience:8+ yearsLendingSME lending
Skills:Quantitative analysisCross-functional influenceCommercial strategyLeadershipDecision-making

Company Brief

Moniepoint Group
Provides digital payments, merchant services, agent banking, card issuance, and business banking solutions across Nigeria and other African markets, serving SMEs, merchants, and financial institutions with technology-first transaction and banking infrastructure.
Industry: Fintech Infrastructure
Company Size: Enterprise (1,001+ employees)
Growth: Scaleup
Headquarters: Lagos, Nigeria
Founded: 2015
WebsiteLinkedIn