Credit Operations Analyst in Nairobi at Distro

We’re Hiring: Credit Operations Analyst

We are seeking a highly organized and detail-oriented professional to play a key role in our operating model, requiring institutional-grade discipline across two core areas:

1. Underwriting and credit file integrity (consistent, lender-ready packages and risk scoring).

2. Back-office execution (contract management, transaction confirmation, cost and margin validation, systems updates, and reporting).

Responsibilities

A) Underwriting Operations

• Execute the underwriting process in accordance with the defined Credit & Risk policy • Manage checklists and ensure complete document collection (financial, tax, banking, legal, ownership, etc.) • Standardize naming conventions, version control, and data room organization • Prepare complete, lender- or investor-ready credit files for review • Perform credit checks (BCR, D&B), public record verifications, KYC/AML, and risk scoring • Extract financial information, calculate key ratios, and identify risks or inconsistencies • Prepare credit boxes, summaries, and exception memos for risk committee review • Maintain due diligence packages ready for funding processes

B) Back Office Operations

• Manage and oversee the full contract lifecycle (MSAs, exhibits, signatures, executed filing) • Confirm transactions and validate margins, COGS, and pricing prior to execution • Reconcile sold vs. installed transactions and escalate discrepancies • Update CRM and operational systems (statuses, milestones, exceptions, billing start dates) • Act as a liaison between front office, middle office, and back office teams • Provide light support for billing initiation and issue resolution

Tools • Excel / Google Sheets • Document management systems and data rooms • CRM and operational systems • Weekly reporting on pipeline, underwriting, exceptions, and cohort readiness

Required Profile

Education

• MBA (preferred) in Finance or Accounting • Or Bachelor’s degree in Finance / Accounting with comparable experience

Experience

• 4+ years of experience in at least one of the following areas: • B2B underwriting or credit analysis • Loan operations or receivables finance • FP&A or accounting with strong financial statement review experience • Contract administration or operations within financial services or B2B environments

Skills

• Exceptional organizational skills and attention to detail • Clear and structured writing skills (credit boxes, checklists, exception memos) • Strong handling of confidential information • Cross-functional collaboration skills with a strong execution mindset • Availability Monday through Friday, 9 AM to 5 PM EST • Experience in equipment finance, receivables, ABS, or credit insurance • Familiarity with BCR / D&B reports and risk scoring • Experience preparing due diligence packages for lenders

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