Who We Are

_able is transforming financial services in emerging markets with its best-in-class Digital Banking Platform. We help partners launch financial products by embedding them into digital channels their customers already use.

The foundation of the platform is grounded in data and informs everything we do: from credit scoring to marketing segmentation and everything in between. Building on this strong foundation, we’ve structured the platform around three key layers:

• API Integration Layer: Seamless connectivity for partners to integrate core systems.
• Module Layer: Flexible, customizable components tailored to partner needs.
• Services Layer: Expertise to manage financial products, including portfolio management, scoring, and communications.

This approach enables us to embed credit and savings products into any partner channel, making them easy to access and highly contextual. The benefit is that our platform can cater to a wide range of use cases:

• MNOs can deploy efficient loan and savings systems optimized for their channels.
• Fintechs can offer tailored financial services to their unique customer base.
• Banks can create new revenue streams and enhance customer loyalty without overhauling their core systems.

The result is a win-win-win for partners, customers, and _able. Having deployed across multiple markets in Africa, we’ve proven our platform meets a critical need and is driving us toward our core objectives:

1. Democratizing financial services by reaching over 500 million people.
2. Becoming the most trusted source of data in emerging markets.

The Role

Our 2026-2027 roadmap is ambitious, with a clear focus on scaling the live portfolio by 3x, diversifying products across markets and partners, and strengthening outcomes-driven financial performance.

We are seeking a Portfolio Manager to join our Portfolio Management department to own and elevate the financial health, credit strategies, and performance optimization of our digital lending products. Reporting directly to VP of Operations, this role will manage the credit lifecycle and portfolio dynamics end-to-end.

The role sits at the intersection of credit risk, financial engineering, and data analytics, acting as a core operational lever for maximizing portfolio yield, mitigating risk, and driving scalable growth across Kenya, Tanzania, Uganda, Mozambique, and new expansion markets.

Position title: Portfolio Manager

Reports to: VP Operations

Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets

Base: The Oval, Parklands, Nairobi, Kenya

Travel: Required
 

Key Responsibilities

P & L Responsibility

• Take financial accountability for credit portfolios, driving optimizations that balance growth with credit risk to meet top-line revenue and bottom-line margin targets.
• Monitor unit economics and portfolio yield performance across multiple products and partners to optimize long-term commercial sustainability.

Eligibility , Modeling , Segmentation & Limit Gradguation

• Formulate, implement, and iterate data-driven eligibility criteria, underwriting rules, and conversion models to accurately assess creditworthiness and safely maximize funnel throughput into automated lending decisions.
• Identify high-potential customer segments and build dynamic credit limit graduation frameworks with performance-based incentives to maximize customer lifetime value and optimize risk-adjusted product adoption.

A/B Testing & Experimentation

• Design, deploy, and monitor structured A/B and multivariate testing protocols across risk models, product features, and portfolio parameters.
• Collaborate closely with cross-functional stakeholders (data, product, and operations teams) to build a disciplined experimentation roadmap and codify key portfolio learnings.

Working with Partners on Conversion and Portfolio Management

• Engage directly with bank and MNO partners to gain further visibility
• Coordinate with partners to improve conversion and retention.

Forecasting and Analysis

• Construct robust forecasting models to project future disbursements, loan book scaling trajectories, and capital allocation requirements.
• Perform deep-dive analytics to track, predict, and manage portfolio quality metrics, evaluating vintage health, non-performing loans (NPLs), and customer behaviors using SQL and/or Python.

Person Specification

Required

• 5–8 years of experience in Portfolio Management, Credit Risk Management, Financial Analysis, or Quantitative Risk within retail lending or financial services.
• Hands-on proficiency with SQL and/or Python for querying large scale datasets, performing deep-dive financial analysis, and structuring automated risk reporting.
• Proven track record of managing digital credit portfolios with direct or heavily shared P&L accountability.
• Strong commercial mindset with a sophisticated understanding of how risk frameworks, eligibility models, and limits impact bottom-line financial metrics.
• Comfort operating across multiple markets, ecosystem channels, and diverse corporate stakeholders in a rapid-scale environment.

Desired

• Direct experience working in fintech, digital credit startups, mobile money platforms, or financial services in emerging markets.
• Familiarity with predictive credit scoring architectures and automated risk decisioning infrastructure.
• Academic background in a quantitative field such as Statistics, Mathematics, Economics, or Corporate Finance.

This Role is:

• More than a traditional risk tracking function, this is a core commercial lever for product and platform success.
• A high-impact, cross-market leadership track with structural exposure to senior executive teams and external industry partners.
• A platform to engineer credit risk strategies that shape financial access across Credable’s expanding digital ecosystem in emerging markets.

Culture

At _able, we are a fast-paced, high-performing team driven by a shared passion for building the future of banking and democratising access to finance across emerging markets. Our team operates across offices in Dubai, Nairobi, Dar es Salaam, Kampala, Maputo, and Porto, with frequent travel to strengthen connections with colleagues and partners.

We value the impact of working together in person, believing it often delivers results that remote work cannot fully achieve. While work-from-home (WFH) is available for specific requests or situations, our culture emphasises the advantages of being physically present and engaged as a team.

We are entering an exciting phase of hyper-growth, expanding into new markets, scaling operations, and evolving our structures to shape the future of _able in 2026. We are looking for energetic, curious individuals who are passionate about our vision and eager to create value while driving innovation and growth in the markets we operate in. 

We’re thrilled to have you join us as we reshape the financial landscape in emerging markets.

Benefits

• Health Insurance for you and your direct dependants
• Group Bonus Policy
• Long-Term Incentive Plan (LTIP)
• Mental Health and Wellbeing Platform
• Learning & Development Opportunities (Internal and External)