Position: Credit Operations Manager

Location: Kigali (Rwanda)

Expected Start Date: January 15, 2026

Apply by: Rolling, applicants are encouraged to state their interest early

About Numida:

There are 20 million Micro and Small Businesses (MSBs) across Africa and traditional financial services are failing them.

Numida’s vision is to enable 1 million African small business owners to achieve their dreams by 2030. To achieve this we are executing our mission of building financial products to catalyze meaningful change for ambitious African small business owners and their communities.

We build digital financial services to enable ambitious small business owners in Africa to realise their potential, enabling them to comfortably support their families and grow their communities. We started by building the best working capital loan product in the market, available to financially excluded small businesses. That means instead of borrowing from unregulated informal lenders or family or friends, business owners apply via the Numida app in minutes, and receive capital within a day. 

Since 2021 we've provided more than $120 million in working capital to 90k+ businesses in East Africa, and we are excited to do more to serve this $5 billion market. We are Uganda’s first and only YC-backed startup and are also backed by world class investors such as Serena Ventures, Onafriq, Breega, and 4Di Capital.

In 2025, Numida was recognized by the Financial Times as the 17th fastest growing company in Africa, and by the World Economic Forum and as a Technology Pioneer.
Find out more at https://numida.com. 

About the role:
We are seeking an experienced and execution-focused Credit Operations Manager (COM) to join our Middle Management Team. As COM you will report directly to the Head of Credit. You will lead day-to-day operations for Numida’s credit function in Rwanda. This includes managing underwriting workflows, borrower verification, loan disbursement, collections, and operational risk controls. The role is critical in ensuring consistent, high-quality execution of credit operations that support business growth while maintaining a strong focus on risk management and delivering a positive customer experience.

As part of Numida’s Middle Management Team, you will work closely with our team across Product, Growth, Credit, Engineering, and Finance to make Numida the financial partner of choice for ambitious small business owners.

We have a global team with operational offices in Kampala and Nairobi, and plans to launch in Dar es Salaam in early 2026, as well as product and engineering teams distributed between Uganda, Kenya, South Africa and Canada. 

Responsibilities:

Continuous Improvement of Credit Operations 

• Develop, maintain, and regularly update comprehensive documentation for all credit policies, processes, and workflows.
• Ensure optimal recording of operational data (eg. time spent by Credit Team on various tasks) to inform data-driven strategy and process improvements in Credit Operations 
• Ensuring that Credit Team staff are equipped with the information, tools and hardware that they need to enable them to operate as close as possible to their maximum efficiency 
• Identification of opportunities for streamlining processes and minimizing complexities to maximize staff productivity on Credit Team and delivery of consistent results 
• Collaborate with the Product Manager to assess the ROI of credit process improvements requiring Product Team resources (eg. automation of tasks) and to establish the priority level in the Product Roadmap 
• Co-develop Product Requirements Documents (PRD) with a Product Manager to communicate specifications of desired improvements to Product Team and continue collaboration throughout the entire development cycle 
• Designing, implementing, and monitoring temporary process modifications for Credit experiments.
• Identify operational gaps and lead the development of effective solutions, both within the team and in partnership with cross-functional stakeholders.

Loan Underwriting and Portfolio Management 

• Perform final loan reviews, approval and disbursement
• Ensure data integrity.
• Investigate, develop and maintain early-warning indicators and oversee watchlist/collection strategies.
• Continuously monitor, manage, and report portfolio performance starting from operational indicators such as Collections Standard Operating Procedures (SOPs) 
• Manage the Credit Team and optimize resource allocation to achieve maximum repayment rates 
• Manage last resort collections, escalations and legal proceedings 

Credit Team Management 

• Define and continuously refine Credit Team roles and responsibilities 
• A deep understanding of customer needs, engages directly with clients to design effective solutions, and inspires their team to adopt the same customer-first approach.
• Recruit and train the Portfolio Team staff (Credit Relationship Officers) to ensure understanding and adherence to Numida’s Way of Working, tools, and approaches
• Create and improve team management tools and strategies for direct reports (such as check-in schedules and templates, Credit Team Leaders (CTLS) guidelines, performance management accountability mechanisms) and empower direct reports towards ownership and collaboration
• Collect Credit Team feedback and manage the team’s buy-in when implementing new product and process changes 
• Lead the recruitment, development, and performance management of a high-performing Credit team in Rwanda, ensuring alignment with business goals while fostering a culture of accountability, operational excellence, and growth.

Your Profile:

• University degree in Business Management/Administration or a quantitative program like Mathematics/Statistics, Finance, or Engineering. MBA designation is an asset.
• 7+ years of experience with progressive responsibility, including at least 3 years of management experience preferably with digital lending or fin-techs within the Rwanda finance space.
• Experience in credit analysis, portfolio monitoring or risk reporting is desired and experience with scalable alternative credit operations outside of traditional financial institutions is a strong asset.
• Professional experience with business process optimization with concrete examples of measurable improvements (automations, clever simplifications of processes, reduced task completion times, reduced costs) 
• Advanced Excel and/or Google Spreadsheets skills (proficiency using pivot tables, using features like filtering, conditional formatting, and data validation, as well as using intermediate formulas like VLOOKUP, index-match, and query to solve real-world problems).
• Experience with Core Banking Systems, Loan Management Systems, and Customer Relationship Management (CRM) software is an asset.

Nice to have’s

• Previous experience as a Credit Operations Manager in a digital lending-focused fintech or digital bank
• Familiarity with digital lending, deposits, embedded finance, or payments products in Africa
• Experience leading regulator relationships, engaging policymakers and/or managing compliance audits.
• MBA or advanced degree in business, finance, or a related field.

Why Join Numida:

At Numida, you’re not just joining a fintech company - you’re joining a movement to transform financial services for millions of small business owners across Africa. We are values-driven and foster a culture of innovation, inclusivity, and continuous learning in service of our vision and mission. You’ll receive competitive compensation, a flexible hybrid and collaborative work environment, equity and professional development opportunities. 

Please express your interest in this opportunity by submitting to the link below;
Applications should be submitted no later than October 31, 2025. Please click on the “Apply” button to complete your application.