Credit Officer (Fintech)

TL;DR

Credit Officer (Fintech): Managing end-to-end underwriting and credit operations for a financial intelligence platform with an accent on AI-assisted financial analysis and risk assessment. Focus on validating AI-generated credit decisions, monitoring loan portfolio performance, and refining underwriting workflows for climate-smart small and growing businesses in Africa.

Location: Must be based in Nairobi, Kenya (Hybrid)

Company

hirify.global is an early-stage startup building a financial intelligence platform to unlock capital for climate-smart small and growing businesses across Africa.

What you will do

• Review and validate AI-generated financial health reports, risk scores, and underwriting recommendations.
• Assess working capital financing applications including invoice, purchase order, and inventory financing.
• Coordinate digital loan agreements, disbursement workflows, and compliance checks.
• Monitor active loan portfolios for early warning signs and repayment behavior.
• Manage collections processes for delinquent accounts and support repayment plan development.
• Provide structured feedback to engineering teams to improve AI models and underwriting automation.

Requirements

• 3–7 years of experience in credit analysis, SGB lending, or fintech credit operations.
• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Strong proficiency in financial statement analysis, cash flow assessment, and credit risk principles.
• Experience making or supporting lending decisions in a professional environment.
• Familiarity with AI tools such as Gemini or Claude and comfort with digital underwriting workflows.
• Must be based in or able to work from Nairobi, Kenya with scheduled in-office collaboration.

Nice to have

• Professional qualifications such as CPA, CFA, or ACCA.
• Previous experience in digital lending, embedded finance, or high-growth startup environments.
• Exposure to credit policy development and portfolio monitoring strategies.

Culture & Benefits

• Competitive compensation package for an early-stage startup.
• Hybrid work flexibility with a focus on high ownership and accountability.
• Direct impact on shaping AI-enabled underwriting processes in the African fintech sector.
• Exposure to embedded finance and alternative credit systems.
• Collaborative environment working across risk, product, and engineering teams.