Flowt: Credit Officer

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    "description": "<p><span style=\"font-size: 10pt; font-weight: bold\">Location: </span><span style=\"color: rgb(67, 67, 67); font-size: 10pt\">Nairobi, Kenya (hybrid work with scheduled in-office collaboration days)</span></p>\n<p><span style=\"font-size: 10pt; font-weight: bold\">Type: </span><span style=\"color: rgb(67, 67, 67); font-size: 10pt\">Full-time</span></p>\n<p><span style=\"font-size: 10pt; font-weight: bold\">Level: </span><span style=\"color: rgb(67, 67, 67); font-size: 10pt\">Mid-Career (3–7 years experience)</span></p>\n<p><span style=\"font-size: 10pt; font-weight: bold\">Reporting to: </span><span style=\"font-size: 10pt\">CEO</span></p>\n<p><span style=\"font-size: 10pt; font-weight: bold\">Start Date: </span><span style=\"font-size: 10pt\">June 2026</span></p>\n<p><br></p>\n<p><span style=\"color: rgb(67, 67, 67); font-size: 18pt; font-weight: bold\">About Flowt</span></p>\n<p><span style=\"font-size: 10pt; font-weight: bold\">Flowt</span><span style=\"font-size: 10pt\"> 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 &amp; m-pesa statements into cash-based profit &amp; loss and cashflow statements and generating risk insights.</span></p>\n<p><span style=\"font-size: 10pt\">Our platform combines:</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Structured onboarding and financial data capture</span></li>\n<li><span style=\"font-size: 10pt\">Integrations with bookkeeping and banking systems</span></li>\n<li><span style=\"font-size: 10pt\">Workflow automation for financing products such as invoice financing, purchase order financing, inventory financing, and asset financing</span></li>\n<li><span style=\"font-size: 10pt\">AI-assisted validation, underwriting, and scoring systems to improve speed, accuracy, consistency, and fairness in credit decisions.</span></li>\n</ul>\n<p><span style=\"font-size: 10pt\">We work closely with lenders and financing partners to help businesses access capital faster and more reliably.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">About the Role</span></p>\n<p><span style=\"font-size: 10pt\">We are hiring a </span><span style=\"font-size: 10pt; font-weight: bold\">Credit Officer </span><span style=\"font-size: 10pt\">to play a critical role in launching Flowt’s end-to-end underwriting and credit operations function.</span></p>\n<p><span style=\"font-size: 10pt\">This role sits at the intersection of:</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Credit analysis</span></li>\n<li><span style=\"font-size: 10pt\">AI-assisted underwriting</span></li>\n<li><span style=\"font-size: 10pt\">SGB lending operations</span></li>\n<li><span style=\"font-size: 10pt\">Financial risk assessment</span></li>\n<li><span style=\"font-size: 10pt\">Human-in-the-loop decision review</span></li>\n<li><span style=\"font-size: 10pt\">Portfolio quality and compliance</span></li>\n</ul>\n<p><span style=\"font-size: 10pt\">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. </span></p>\n<p><span style=\"font-size: 10pt\">The ideal candidate combines strong credit judgment with comfort working alongside AI-enabled systems and structured workflows.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">What You’ll Own</span></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">AI-Assisted Credit Review &amp; Decisioning</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Review AI-generated outputs including:</span>\n<ul>\n<li><span style=\"font-size: 10pt\">Financial health check reports with risk scoring and tips for SGBs to improve</span></li>\n<li><span style=\"font-size: 10pt\">Financial metrics and risk assessment indicators generated for 3rd party lender &amp; investors clients </span></li>\n<li><span style=\"font-size: 10pt\">Credit scoring indicators, financial summaries, and repayment capacity assessments generated for Flowt’s on-balance sheet loans </span></li>\n</ul>\n</li>\n<li><span style=\"font-size: 10pt\">Validate AI recommendations against supporting financial documents and operational data</span></li>\n<li><span style=\"font-size: 10pt\">Identify inconsistencies, missing information, hallucinations, or edge-case scenarios</span></li>\n<li><span style=\"font-size: 10pt\">Recommend credit approvals, declines, limits, pricing adjustments, or escalation actions</span></li>\n<li><span style=\"font-size: 10pt\">Apply credit policy and underwriting standards consistently across applications</span></li>\n<li><span style=\"font-size: 10pt\">Flag suspicious, inconsistent, or potentially fraudulent applications</span></li>\n<li><span style=\"font-size: 10pt\">Provide structured feedback to improve AI models, prompts, and underwriting workflows</span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Credit Analysis &amp; Underwriting</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Assess SGB working capital financing applications across products including:</span>\n<ul>\n<li><span style=\"font-size: 10pt\">Invoice financing</span></li>\n<li><span style=\"font-size: 10pt\">Purchase order financing</span></li>\n<li><span style=\"font-size: 10pt\">Inventory financing</span></li>\n<li><span style=\"font-size: 10pt\">Grant contract financing</span></li>\n</ul>\n</li>\n<li><span style=\"font-size: 10pt\">Follow a structured process to arrive at a loan recommendation including:</span>\n<ul>\n<li><span style=\"font-size: 10pt\">Reviewing and cross-checking AI-generated financial metrics from the borrower’s management accounts and bank statements </span></li>\n<li><span style=\"font-size: 10pt\">Cross-checking with audited accounts (if available), CRB listings, existing loan agreements, and tax compliance documents </span></li>\n<li><span style=\"font-size: 10pt\">Validating KYC/KYB documents </span></li>\n<li><span style=\"font-size: 10pt\">Completed an AI-assisted review of the leadership team’s LinkedIn profiles/CVs, video capture, and reference checkers</span></li>\n<li><span style=\"font-size: 10pt\">Completing an AI-assisted review of the internet and social media presence of the business and leadership team </span></li>\n</ul>\n</li>\n<li><span style=\"font-size: 10pt\">Cross-check AI’s credit scoring recommendations and exercise your own judgement on repayment capacity, operational stability, and risk exposure</span></li>\n<li><span style=\"font-size: 10pt\">Escalate complex or high-risk cases where appropriate</span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Loan Execution &amp; Digital Disbursement</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Assist in preparing and executing digital loan agreements and financing documentation</span></li>\n<li><span style=\"font-size: 10pt\">Coordinate borrower acceptance, compliance checks, and fulfillment of disbursement conditions</span></li>\n<li><span style=\"font-size: 10pt\">Support digital disbursement workflows and ensure accurate processing of approved financing to the borrower’s digital wallet</span></li>\n<li><span style=\"font-size: 10pt\">Verify that approved loan terms, repayment schedules, and supporting documentation are correctly reflected in systems</span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Loan Portfolio Monitoring</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Monitor use of funds and performance of active loan and financing portfolios across SGB borrowers</span></li>\n<li><span style=\"font-size: 10pt\">Track repayment behavior, utilization patterns, and portfolio health indicators</span></li>\n<li><span style=\"font-size: 10pt\">Identify early warning signs including repayment delays, deteriorating cash flow trends, operational disruptions, or increased risk exposure</span></li>\n<li><span style=\"font-size: 10pt\">Support periodic portfolio reviews and risk reporting activities</span></li>\n<li><span style=\"font-size: 10pt\">Maintain accurate portfolio records, monitoring notes, and risk classifications</span></li>\n<li><span style=\"font-size: 10pt\">Escalate high-risk accounts, exceptions, and policy breaches in a timely manner</span></li>\n<li><span style=\"font-size: 10pt\">Contribute to portfolio quality improvement initiatives and risk mitigation strategies</span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Collections &amp; Recovery Support</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Assist in managing collections processes for overdue or delinquent accounts</span></li>\n<li><span style=\"font-size: 10pt\">Engage borrowers professionally regarding outstanding repayments, documentation gaps, or restructuring requirements</span></li>\n<li><span style=\"font-size: 10pt\">Coordinate repayment follow-ups and resolution tracking across channels</span></li>\n<li><span style=\"font-size: 10pt\">Support development and execution of repayment plans, restructures, or escalation actions where appropriate</span></li>\n<li><span style=\"font-size: 10pt\">Maintain accurate collections records, communication logs, and recovery status updates</span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Workflow &amp; Process Improvement</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Identify recurring underwriting and validation issues</span></li>\n<li><span style=\"font-size: 10pt\">Recommend improvements to credit workflows, policies, and operational controls</span></li>\n<li><span style=\"font-size: 10pt\">Identify recurring repayment challenges and contribute recommendations to improve portfolio performance and collections efficiency</span></li>\n<li><span style=\"font-size: 10pt\">Work closely with product, engineering, and operations teams to improve automation and decision accuracy</span></li>\n<li><span style=\"font-size: 10pt\">Support development of scalable AI-human review processes</span></li>\n<li><span style=\"font-size: 10pt\">Assist in refining risk thresholds and decision frameworks</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">What Success Looks Like (First 90 Days)</span></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Weeks 1–2</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Gain deep understanding of Flowt’s products, underwriting policies, and AI review systems</span></li>\n<li><span style=\"font-size: 10pt\">Learn credit workflows, escalation paths, and approval frameworks</span></li>\n<li><span style=\"font-size: 10pt\">Begin reviewing financial health check reports, 3rd party financial due diligence reports, and loan applications </span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Weeks 3–6</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Independently review and validate financial health check reports, 3rd party financial due diligence reports, and loan applications </span></li>\n<li><span style=\"font-size: 10pt\">Consistently identify risk issues and AI output inaccuracies and provide valuable feedback to the AI/ML model</span></li>\n<li><span style=\"font-size: 10pt\">Deliver high-quality credit recommendations within expected turnaround times</span></li>\n</ul>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Weeks 7–12</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Own underwriting reviews </span></li>\n<li><span style=\"font-size: 10pt\">Improve quality and consistency of AI-assisted credit reviews</span></li>\n<li><span style=\"font-size: 10pt\">Contribute process improvements that reduce risk and increase operational efficiency</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Required Qualifications</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">3–7 years of experience in credit analysis, SGB lending, financial analysis, and/or fintech credit operations</span></li>\n<li><span style=\"font-size: 10pt\">Bachelor’s degree in Finance, Accounting, Economics, Commerce, or related field</span></li>\n<li><span style=\"font-size: 10pt\">Strong understanding of:</span>\n<ul>\n<li><span style=\"font-size: 10pt\">Financial statements</span></li>\n<li><span style=\"font-size: 10pt\">Bank statement review</span></li>\n<li><span style=\"font-size: 10pt\">Cash flow analysis</span></li>\n<li><span style=\"font-size: 10pt\">Credit risk principles</span></li>\n<li><span style=\"font-size: 10pt\">SME financing structures</span></li>\n</ul>\n</li>\n<li><span style=\"font-size: 10pt\">Experience making or supporting lending decisions</span></li>\n<li><span style=\"font-size: 10pt\">Strong analytical judgment and attention to detail</span></li>\n<li><span style=\"font-size: 10pt\">Ability to assess incomplete or ambiguous financial information</span></li>\n<li><span style=\"font-size: 10pt\">Familiarity with AI tools such as Gemini or Claude</span></li>\n<li><span style=\"font-size: 10pt\">Comfortable working with AI-assisted tools and digital underwriting workflows</span></li>\n<li><span style=\"font-size: 10pt\">Excellent written and verbal communication skills</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Nice to Have</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">CPA, CFA, ACCA, or equivalent professional qualification</span></li>\n<li><span style=\"font-size: 10pt\">Experience in fintech, digital lending, or embedded finance</span></li>\n<li><span style=\"font-size: 10pt\">Exposure to credit policy development or portfolio monitoring</span></li>\n<li><span style=\"font-size: 10pt\">Startup or high-growth environment experience</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Our Working Style</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">High ownership and accountability</span></li>\n<li><span style=\"font-size: 10pt\">Fast-paced, execution-oriented environment</span></li>\n<li><span style=\"font-size: 10pt\">Strong emphasis on accuracy and attention to detail</span></li>\n<li><span style=\"font-size: 10pt\">Collaborative work across risk, operations, product, and engineering teams</span></li>\n<li><span style=\"font-size: 10pt\">Continuous improvement mindset with an emphasis on automation and AI-enabled workflows</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 14pt; font-weight: bold\">Compensation &amp; Benefits</span></p>\n<ul>\n<li><span style=\"font-size: 10pt\">Competitive compensation for an early-stage startup </span></li>\n<li><span style=\"font-size: 10pt\">Hybrid work flexibility</span></li>\n<li><span style=\"font-size: 10pt\">Opportunity to shape AI-enabled underwriting processes in Africa</span></li>\n<li><span style=\"font-size: 10pt\">Direct exposure to fintech, embedded finance, and alternative credit systems</span></li>\n<li><span style=\"font-size: 10pt\">Growth opportunities into senior leadership roles</span></li>\n</ul>",
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