Credit Officer

Location: Nairobi, Kenya (hybrid work with scheduled in-office collaboration days)

Type: Full-time

Level: Mid-Career (3–7 years experience)

Reporting to: CEO

Start Date: June 2026

About Flowt

Flowt is building a financial intelligence platform to unlock access to financing for climate-smart small and growing businesses (SGBs) in Africa. We help SGBs become investor-ready by transforming bank & m-pesa statements into cash-based profit & loss and cashflow statements and generating risk insights.

Our platform combines:

• Structured onboarding and financial data capture
• Integrations with bookkeeping and banking systems
• Workflow automation for financing products such as invoice financing, purchase order financing, inventory financing, and asset financing
• AI-assisted validation, underwriting, and scoring systems to improve speed, accuracy, consistency, and fairness in credit decisions.

We work closely with lenders and financing partners to help businesses access capital faster and more reliably.

About the Role

We are hiring a Credit Officer to play a critical role in launching Flowt’s end-to-end underwriting and credit operations function.

This role sits at the intersection of:

• Credit analysis
• AI-assisted underwriting
• SGB lending operations
• Financial risk assessment
• Human-in-the-loop decision review
• Portfolio quality and compliance

You will review and validate AI-generated financial analyses, risk signals, and underwriting recommendations, then make or recommend informed credit decisions based on company financials, transaction behavior, operational performance, and supporting documentation. You will then coordinate digital loan agreement and disbursement, own loan performance monitoring, and support collections. 

The ideal candidate combines strong credit judgment with comfort working alongside AI-enabled systems and structured workflows.

What You’ll Own

AI-Assisted Credit Review & Decisioning

• Review AI-generated outputs including:
  • Financial health check reports with risk scoring and tips for SGBs to improve
  • Financial metrics and risk assessment indicators generated for 3rd party lender & investors clients 
  • Credit scoring indicators, financial summaries, and repayment capacity assessments generated for Flowt’s on-balance sheet loans 
• Validate AI recommendations against supporting financial documents and operational data
• Identify inconsistencies, missing information, hallucinations, or edge-case scenarios
• Recommend credit approvals, declines, limits, pricing adjustments, or escalation actions
• Apply credit policy and underwriting standards consistently across applications
• Flag suspicious, inconsistent, or potentially fraudulent applications
• Provide structured feedback to improve AI models, prompts, and underwriting workflows

Credit Analysis & Underwriting

• Assess SGB working capital financing applications across products including:
  • Invoice financing
  • Purchase order financing
  • Inventory financing
  • Grant contract financing
• Follow a structured process to arrive at a loan recommendation including:
  • Reviewing and cross-checking AI-generated financial metrics from the borrower’s management accounts and bank statements 
  • Cross-checking with audited accounts (if available), CRB listings, existing loan agreements, and tax compliance documents 
  • Validating KYC/KYB documents 
  • Completed an AI-assisted review of the leadership team’s LinkedIn profiles/CVs, video capture, and reference checkers
  • Completing an AI-assisted review of the internet and social media presence of the business and leadership team 
• Cross-check AI’s credit scoring recommendations and exercise your own judgement on repayment capacity, operational stability, and risk exposure
• Escalate complex or high-risk cases where appropriate

Loan Execution & Digital Disbursement

• Assist in preparing and executing digital loan agreements and financing documentation
• Coordinate borrower acceptance, compliance checks, and fulfillment of disbursement conditions
• Support digital disbursement workflows and ensure accurate processing of approved financing to the borrower’s digital wallet
• Verify that approved loan terms, repayment schedules, and supporting documentation are correctly reflected in systems

Loan Portfolio Monitoring

• Monitor use of funds and performance of active loan and financing portfolios across SGB borrowers
• Track repayment behavior, utilization patterns, and portfolio health indicators
• Identify early warning signs including repayment delays, deteriorating cash flow trends, operational disruptions, or increased risk exposure
• Support periodic portfolio reviews and risk reporting activities
• Maintain accurate portfolio records, monitoring notes, and risk classifications
• Escalate high-risk accounts, exceptions, and policy breaches in a timely manner
• Contribute to portfolio quality improvement initiatives and risk mitigation strategies

Collections & Recovery Support

• Assist in managing collections processes for overdue or delinquent accounts
• Engage borrowers professionally regarding outstanding repayments, documentation gaps, or restructuring requirements
• Coordinate repayment follow-ups and resolution tracking across channels
• Support development and execution of repayment plans, restructures, or escalation actions where appropriate
• Maintain accurate collections records, communication logs, and recovery status updates

Workflow & Process Improvement

• Identify recurring underwriting and validation issues
• Recommend improvements to credit workflows, policies, and operational controls
• Identify recurring repayment challenges and contribute recommendations to improve portfolio performance and collections efficiency
• Work closely with product, engineering, and operations teams to improve automation and decision accuracy
• Support development of scalable AI-human review processes
• Assist in refining risk thresholds and decision frameworks

What Success Looks Like (First 90 Days)

Weeks 1–2

• Gain deep understanding of Flowt’s products, underwriting policies, and AI review systems
• Learn credit workflows, escalation paths, and approval frameworks
• Begin reviewing financial health check reports, 3rd party financial due diligence reports, and loan applications 

Weeks 3–6

• Independently review and validate financial health check reports, 3rd party financial due diligence reports, and loan applications 
• Consistently identify risk issues and AI output inaccuracies and provide valuable feedback to the AI/ML model
• Deliver high-quality credit recommendations within expected turnaround times

Weeks 7–12

• Own underwriting reviews 
• Improve quality and consistency of AI-assisted credit reviews
• Contribute process improvements that reduce risk and increase operational efficiency

Required Qualifications

• 3–7 years of experience in credit analysis, SGB lending, financial analysis, and/or fintech credit operations
• Bachelor’s degree in Finance, Accounting, Economics, Commerce, or related field
• Strong understanding of:
  • Financial statements
  • Bank statement review
  • Cash flow analysis
  • Credit risk principles
  • SME financing structures
• Experience making or supporting lending decisions
• Strong analytical judgment and attention to detail
• Ability to assess incomplete or ambiguous financial information
• Familiarity with AI tools such as Gemini or Claude
• Comfortable working with AI-assisted tools and digital underwriting workflows
• Excellent written and verbal communication skills

Nice to Have

• CPA, CFA, ACCA, or equivalent professional qualification
• Experience in fintech, digital lending, or embedded finance
• Exposure to credit policy development or portfolio monitoring
• Startup or high-growth environment experience

Our Working Style

• High ownership and accountability
• Fast-paced, execution-oriented environment
• Strong emphasis on accuracy and attention to detail
• Collaborative work across risk, operations, product, and engineering teams
• Continuous improvement mindset with an emphasis on automation and AI-enabled workflows

Compensation & Benefits

• Competitive compensation for an early-stage startup 
• Hybrid work flexibility
• Opportunity to shape AI-enabled underwriting processes in Africa
• Direct exposure to fintech, embedded finance, and alternative credit systems
• Growth opportunities into senior leadership roles