{"id":1867780,"url":"https://alion.io/job/credable-portfolio-manager-able","title":"Portfolio Manager - _able","company":{"id":6757,"name":"CredAble","domain":"credable.in","url":"https://alion.io/company/credable","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"JazzHR","truth_index":null},"role":"Management","role_family":"Management","seniority":null,"employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Nairobi, Kenya"],"countries":["KE"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":28000,"max_usd":74000,"period":"year","method":null,"sample_n":11913},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"A/B Testing","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-04T21:07:47Z","employer_posted_date":"2026-10-04","last_verified_at":"2026-10-08T00:43:10Z","board_verified":true,"closed_at":null,"days_open":3,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":3},"description":"Who We Are\n_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.\nThe 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:\nAPI Integration Layer:Seamless connectivity for partners to integrate core systems.\nModule Layer:Flexible, customizable components tailored to partner needs.\nServices Layer:Expertise to manage financial products, including portfolio management, scoring, and communications.\nThis 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:\nMNOs can deploy efficient loan and savings systems optimized for their channels.\nFintechs can offer tailored financial services to their unique customer base.\nBanks can create new revenue streams and enhance customer loyalty without overhauling their core systems.\nThe 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:\nDemocratizing financial services by reaching over 500 million people.\nBecoming the most trusted source of data in emerging markets.\n The Role\nOur 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.\nWe 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.\nThe 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.\n Position title: Portfolio Manager\nReports to:VP Operations\nCoverage:UAE (HQ), Kenya, Tanzania, and Uganda + other new markets\nBase: The Oval, Parklands, Nairobi, Kenya\nTravel: Required\nKey Responsibilities\nP & L Responsibility\nTake financial accountability for credit portfolios, driving optimizations that balance growth with credit risk to meet top-line revenue and bottom-line margin targets.\nMonitor unit economics and portfolio yield performance across multiple products and partners to optimize long-term commercial sustainability.\nEligibility , Modeling , Segmentation & Limit Gradguation\nFormulate, 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.\nIdentify 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.\nA/B Testing & Experimentation\nDesign, deploy, and monitor structured A/B and multivariate testing protocols across risk models, product features, and portfolio parameters.\nCollaborate closely with cross-functional stakeholders (data, product, and operations teams) to build a disciplined experimentation roadmap and codify key portfolio learnings.\nWorking with Partners on Conversion and Portfolio Management\nEngage directly with bank and MNO partners to gain further visibility\nCoordinate with partners to improve conversion and retention.\nForecasting and Analysis\nConstruct robust forecasting models to project future disbursements, loan book scaling trajectories, and capital allocation requirements.\nPerform 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.\nCross-Functional Leadership\nWork with cross-functional groups across Product, Operations and Data Science to ideate, prioritize, and ship portfolio and engagement improvements.\nPartner closely with bank and MNO partners to align on customer-facing communications, brand standards, and regulatory 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