Lead Credit & Risk Management at Helium Health

A full-service Healthtech company on a journey to digitize healthcare across Africa. We have been doing this since 2016, and our pioneering approach has helped to transform healthcare delivery systems across Sub-Saharan Africa and the GCC, creating an alternative vision for patients and providers, whilst facilitating hundreds of thousands of high-quality patient experiences every month.

We are very good at creating for the market we live in, because we fully understand from our own experiences. Our innovative and reliable products are engineered for the nuances of the African landscape, empowering frontline providers to deliver excellent healthcare to patients. Our products include the Provider Digitization Suite—HeliumOS and HeliumDoc, Financial Solutions—HeliumCredit and HeliumWallet, and Public Health & Data Partnerships—Public Health and Data Insights.

We are seeking a highly skilled and motivated Lead, Credit and Risk Management to oversee and enhance our credit risk framework, policies, and processes. This role is critical in ensuring a balanced risk-reward approach while driving business growth. The ideal candidate will have a strong background in credit risk, financial analysis, and regulatory compliance, preferably in the fintech or digital lending space.

Credit Risk Management

• Review and approve credit applications, ensuring adherence to established risk acceptance criteria (RAC).
• Analyze financial statements, credit scores, and other relevant data to assess the creditworthiness of applicants.
• Conduct second-level loan assessments, providing clear and concise recommendations for approvals or rejections.
• Develop and implement robust credit risk assessment models, credit scoring models and frameworks tailored to the fintech lending landscape.
• Define credit policies, underwriting guidelines, and risk limits to ensure a balanced portfolio.
• Continuously monitor portfolio performance, identifying key risk indicators and early warning signals.
• Optimize decision-making through data-driven insights and advanced analytics.
• Design and oversee stress testing of loan portfolios, ensuring resilience against economic shifts.
• Monitor non-performing loans (NPLs) and ensure adherence to acceptable thresholds as per credit policy and regulatory requirements.
• Stay updated on industry best practices and regulatory changes in credit risk management.
• Develop training programs to upskill team members in credit risk analysis and management.
• Demonstrate service excellence
• Any other related duties required

Risk Strategy & Governance

• Establish and maintain risk management policies aligned with regulatory and industry best practices.
• Conduct stress testing, scenario analysis, and loss forecasting to assess potential risks.
• Collaborate with senior management and stakeholders to align risk strategies with business objectives.
• Ensure compliance with local and international regulatory requirements for credit and risk management.

Fraud Prevention & Mitigation

• Implement and oversee fraud detection and prevention measures using AI, machine learning, and other advanced technologies.
• Develop proactive fraud risk assessment strategies to minimize financial and reputational damage.
• Work closely with other teams within to investigate and analyze suspicious transactions and patterns.

Stakeholder Collaboration

• Partner with data science, technology, and product teams to enhance risk assessment models and digital lending solutions.
• Work with external regulators, auditors, and credit bureaus to ensure compliance and optimize credit risk frameworks.
• Train and mentor teams on risk best practices, regulatory requirements, and credit assessment techniques.
• Support the development and implementation of automated processes for efficient credit operations and collections.
• Ensure compliance with all regulatory policies and internal credit guidelines.
• Oversee audits and regulatory examinations, providing necessary documentation and insights.

• Bachelor’s/Master’s degree in Finance, Economics, Statistics, Business, or a related field.

• 7+ years in credit risk management, underwriting, or risk analytics, preferably in a fintech, digital lending, or banking environment.
• Proficiency in financial analysis, credit assessment & its tools, risk modeling, credit scoring, and statistical analysis.
• Experience with AI/ML-based risk assessment tools and alternative credit scoring models.
• Familiarity with credit bureau data upload, NCR & KYC/AML regulations, and digital lending frameworks.
• Strong knowledge of regulatory compliance related to credit and risk management
• High proficiency in Microsoft Office Suite (Excel, Word, PowerPoint)
• Strong analytical, problem-solving, and decision-making abilities.
• Hands-on experience with risk assessment tools, data analytics platforms, and credit decision engines.
• Ability to work in a fast-paced, data-driven fintech environment.
• Excellent communication and leadership skills to drive cross-functional collaboration.

This role offers a competitive salary in a collaborative work environment with a dynamic and diverse team. We also offer tremendous potential with a growing global organization.

• Package includes guaranteed take home

• 20 days holidays + public holidays
• Enhanced Parental + Family Leave – 60 days paid Maternity Leave and 20 days paid Paternity Leave. Our Adoption Leave policy follows the similar arrangements.
• Health Insurance or Medical Allowance
• Robust Learning and Development Opportunities
• Team-building activities and social events
• Amazing team culture!