Financial Analyst at Chancen International
Job Summary
The Financial Analyst will sit at the heart of Chancen
International’s FP&A function, supporting the integrity, accuracy, and
strategic value of our financial models, reports, and planning processes.
Reporting directly to the Head of Financial Planning & Analysis, this role
is designed for a detail-oriented, analytically strong professional who can
independently build and own financial models, drive reporting quality, and
contribute meaningfully to portfolio and fund-level decision-making.
The Financial Analyst will work closely with the Tech,
Operations, Credit, and Programme teams to ensure financial data flows are
accurate, models are robust, and reporting outputs are actionable for EXCO,
Board, and investor audiences. The successful candidate is expected to
independently own and deliver financial models at both the Fund Manager and
Group level within their first year — a core deliverable that directly supports
investor reporting and capital deployment decisions.
Key Responsibilities
Financial Modelling
- Build,
maintain, and refine financial models covering ISA portfolio performance,
fund-level economics, and Group-level consolidations
- Develop
and own scenario-based models assessing the impact of key variables,
deployment timing, repayment rates, FX movements, and salary growth — on
portfolio and company financial performance
- Support
financial feasibility assessments for new Business Development
initiatives, including IRR, NPV, and FX sensitivity analysis
- Contribute
to impairment calculations and ECL estimation processes across all
operating markets
Financial Planning & Analysis
- Track
budget vs. actuals across departments and countries — providing structured
variance analysis with clear commentary
- Support
financial planning, forecasting, and annual budgeting cycles — including
multi-scenario planning
- Assist
in preparing financial inputs for EXCO, Board, and investor reporting
cycles
- Contribute
to the 2027 Strategic Annual Plan with scenario overviews covering
deployment timing, tranche mix, and FX impact
Reporting & Data Management
- Build
and maintain integrated financial reports using internal datasets,
ensuring complete, timely, and actionable outputs for key stakeholders
- Review
existing reports and enhance structure, clarity, and utility for
decision-making
- Collaborate
cross-functionally with Operations, Credit, and Programme teams to
integrate data inputs for unified reporting
- Utilize
the Data Warehouse as the primary data source for all financial reporting
— ensuring alignment, consistency, and data accuracy
Process Improvement & Documentation
- Assist
in automating repetitive financial tasks and improving data flow between
systems
- Document
key FP&A processes such as ISA calculations, impairment methodology,
and reporting workflows
- Identify
and implement opportunities to improve reporting quality, internal
controls, and process efficiency
- Contribute
to the team’s SOP and Runbook library across core FP&A functions
Requirements
Educational Qualifications
- Minimum
Bachelor’s Degree in Finance, Economics, Business Analytics, Accounting,
or a related field
- Professional
certification (CFA, ACCA, CPA, or equivalent) is an advantage
Technical Skills, Competencies & Experience
- 3–6
years of experience in a financial analysis, FP&A, investment
analysis, or financial modelling role
- Demonstrated
ability to independently build complex financial models, including
3-statement models (P&L, Balance Sheet, Cash Flow) from scratch; this
is non-negotiable
- Advanced
proficiency in Microsoft Excel or Google Sheets — non-negotiable
- Familiarity
with Power BI, Looker, or Python is an advantage
- Strong
understanding of financial reporting frameworks, modelling principles, and
portfolio analytics
- Exposure
to microfinance, development finance, or impact investing is a plus — but
not required
- Experience
working across African markets is preferred
- Strong
written and verbal communication skills — able to present financial
outputs clearly to non-finance stakeholders
- Detail-oriented,
structured thinker with a strong interest in process improvement and data
integrity
- Curious,
proactive, and self-driven — comfortable operating in a fast-moving, lean
team environment
Partnership Associate at Chancen International
Job Summary:
The Partnerships Associate will support the management of
Chancen Kenya’s portfolio of partner educational institutions (PEIs). You will
be responsible for key aspects of the partnerships’ management, ensuring the
integrity and sustainability of our ISA investments. This role requires a
professional who can engage partners, analyze data to uncover opportunities,
and contribute proactively to the strategic goals of the department, operating
with a high degree of independence.
Key Responsibilities
Partnership Management
- Support
the Partnership Manager in building and nurturing strong, long-term
relationships with current partners, ensuring their needs are met and
identifying new opportunities.
- Assist
in the development, formalization, and management of partnership
agreements and contracts.
- Contribute
to the continuous evaluation of existing partnerships to ensure alignment
with Chancen’s vision and strategic objectives.
- Develop
structured engagement plans for each PEI, outlining monthly &
quarterly touchpoints, performance reviews, and improvement actions.
- Track
progress against partnership agreements and ensure PEIs meet SLAs,
reporting deadlines, and system usage requirements.
Data, Reporting & Strategic Support
- Manage
and update the partner dashboard and tracker to ensure 100% accuracy and
compliance with monthly reporting standards.
- Utilize
data insights to identify trends, opportunities for process improvement,
and partnership growth within the department.
- Prepare
clear, well-organized, and actionable reports on partnership pipeline,
progress against targets, and key performance indicators for internal
stakeholders.
- Provide
ongoing support to PEI staff on system usage, escalations, and updates.
- Lead
the annual audit process for all assigned PEIs, ensuring full compliance
with partnership agreements, reporting, and payment plans.
Disbursement & portfolio Support
- Work
alongside internal teams such as Finance, SAM, Communications &
Community, Repayments, and Data to manage the timely and accurate
disbursement of funds to partners.
- Ensure
that all cohorts in the PEI are compliant with commitment fees and are in
session before any disbursements are made to the PEI.
Requirements
Required Qualifications and Experience
- A
Bachelor’s degree in Business Administration ,Social Sciences , Project
management, International Development, Marketing, or a related field.
- 2 – 3
years of proven experience in a partnerships, business development, data
analysis, or project management role. Experience in the education sector,
financial services, or impact investing is a strong advantage.
- Exceptional
analytical and problem-solving skills, with proven ability to resolve
operational problems of a routine to moderately complex nature.
- Strong
interpersonal and communication skills, with the ability to build rapport,
manage relationships with diverse stakeholders, and present information
clearly in both written and verbal forms.
- High
level of proficiency in Advanced Microsoft Excel and PowerPoint.
- Self-directed,
resourceful, and able to manage multiple priorities, measure progress
against targets, and meet consistent deadlines.
Benefits
- 21
days of annual leave, excluding national holidays.
- Training,
learning and development opportunities and financial support for further
education.
- Medical
insurance/aid coverage and wellbeing initiatives.
- A
fulfilling work environment in a supportive and impact-driven organization
with clear, frequent growth opportunities.
Data Analyst Associate at Chancen International
About Chancen International
Application Deadline: 22nd May 2026
Chancen International is a non-profit financial institution
providing ethical, fair, and responsible financing to help young Africans
access quality tertiary education. Using an innovative Income Share Agreement
(ISA) model, we cover students’ tuition fees, allowing them to study without
financial barriers. Graduates repay a portion of their income once employed,
creating a sustainable funding cycle that supports future generations. By
empowering young people with education, we enable their transition to meaningful
employment, fostering economic mobility and strengthening communities.
Headquartered in Kigali, Rwanda, and operating in Rwanda,
Kenya, South Africa, and Ghana, Chancen International has helped over 9,000
young people access education leading to dignified work. Our focus on
marginalized populations ensures these youth gain the skills needed to thrive
and contribute to building strong economies and peaceful nations.
We are committed to creating an inclusive and positive
working environment where each individual can flourish and achieve their full
potential. Our actions are guided by our company values: Authenticity,
Curiosity, Courage, Stewardship, and Fairness.
In this role, you will play a key role in analyzing complex
datasets to identify trends, patterns, and insights that drive business
decisions. You will collaborate with cross-functional teams(Heads of
Department) to identify opportunities that will drive business growth and
improve efficiency.
The role needs a high level of experience in database
administration, report development, data issue resolution, and all elements of
data analytics, such as mining, creation, and visualization, as well as a
thorough understanding of common data analysis tools and databases.
Your ability to communicate complex findings in a clear and
concise manner will be essential in influencing key stakeholders and driving
data-driven decision-making. This is an exciting opportunity to make a real
impact on our organization and contribute to our success in a fast-paced and
dynamic environment.
DUTIES AND RESPONSIBILITIES:
- Work
directly with Heads of Departments and Users to gather requirements and
prioritize data-driven projects that align with business goals.
- Develop
and maintain dashboards and reports using data visualization
tools for clear communication.
- Create
detailed documentation of methodologies, processes, and findings to
support transparency and knowledge sharing.
- Conduct
workshops and training sessions to enhance data literacy and the use of
data in decision-making among employees as well as training on new reports
and dashboards
- Proactively
analyze data to answer key questions for stakeholders or yourself, with an
eye on what drives business performance, and investigate and communicate
which
- areas
need improvement in efficiency and productivity through analysis of
complex datasets
- Perform
quarterly general system data audits, pre-graduation data audits, and data
audits for the new intake, and share reports with the hierarchical
supervisor.
- Analyze
member journey data to provide information for organizational learning and
opportunities for leveraging data to drive business solutions/improvement
of operations
- Ensure
systems and reporting structures provide appropriate portfolio and impact
information and performance outputs to all levels of management.
- Perform
the role of database administration of the Core Banking System and User
support.
- Support
the Partnership Department with ISA calculations and repayment analysis
- Work
on technical research projects, supporting the design of research studies,
and survey instruments, and developing data monitoring systems in
collaboration with the relevant departments.
Requirements
Educational Qualifications
- Minimum
Bachelor’s Degree in Statistics, Data Science, Computer Science, IT or in
other related fields
Technical Skills, Competencies, and Experience
- Proven
working experience of at least 3-5 years as a Data Analyst or Business
Data Analyst and knowledge of Database Administration.
- Knowledge
of system reports design and development using reporting packages
(Metabase, SAP Crystal Reports, Powerbi, Tableau,R, etc),
- Strong
knowledge of using statistical packages for analyzing datasets Advance
(Excel, SPSS, SAS, etc)
- Strong
analytical skills with the ability to collect, organize, analyze, and
disseminate significant amounts of information with attention to detail
and accuracy
- Knowledge
about the RDBMS systems especially Oracle Database
- Knowledge
of structured query language (SQL)
- Programming
experience in (XML, Javascript, Python, or ETL frameworks) would be an
added value.
- Technical
expertise in data models, database design development, data mining, and
segmentation techniques
- High-level
experience in methodologies and processes for managing and handling large
data sets and relational databases.
- Strong
experience in Data cleaning and Predictive Modeling
- Ability
to analyze existing tools and databases and provide software solution
recommendations.
- Ability
to understand and manage stakeholder requests including ensuring a clear
understanding of the ask and working with the wider team to ensure this is
properly captured, impacted, and assessed
- Demonstrates
a strong work ethic and ability to take the initiative and ownership to
deliver value to the business
- Ability
to work under pressure and meet tight deadlines.
- Ability
to work collaboratively with the team
- Excellent
written and oral communication skills in English
Benefits
- 21
days of annual leave, excluding national holidays.
- Training,
learning and development opportunities and financial support for further
education.
- Medical
insurance/aid coverage and wellbeing initiatives.
- A
fulfilling work environment in a supportive and entrepreneurially driven
organization with clear, frequent growth opportunities
Repayment Associate at Chancen International
Job Purpose
The Repayments Associate is responsible for managing
end-to-end collections and compliance for a designated portfolio of Chancen
Members under the Income Share Agreement (ISA) model. The role ensures high
repayment performance, maintains Portfolio at Risk (PAR) below 3%, and drives
early-stage intervention through structured advisory and data-driven risk
identification.
Key Responsibilities:
Debt Recovery & Transition Management
Be responsible for implementing the process of transitioning
active (students) Chancen Members allocated to you to the collections phase,
which includes but is not limited to the following:
- Manage
the transition of members from training to repayment phase through
structured pre-graduation engagement.
- Maintain
accurate trackers for graduation timelines and repayment start dates.
- Coordinate
with Operations and Member Affairs teams to ensure readiness for
pre-graduation sessions.
- Capture
and update all engagement data in Customer Relationship Management and
Core Banking System within 24 hours.
Portfolio Management
Be responsible for all collections efforts related to the portfolio you
are allocated, including but not limited to the following:
- Own
and manage a portfolio of members, ensuring consistent follow-up on
repayments.
- Drive
collections through calls, SMS, email, and field engagement where
necessary.
- Maintain
100% accuracy of member data, payment records, and audit trails.
- Monitor
portfolio aging and proactively address early delinquency.
- Execute
compliant handovers of delinquent accounts to external debt collectors and
maintain an up-to-date record of all steps followed to ensure compliance
with legal and regulatory frame.
- Ensure
all activities align with company policies and regulatory frameworks.
- works
in all repayment and collection efforts.
ISA Advisory & Compliance (Core Function)
- Conduct
structured ISA advisory sessions covering:
- Financial
assessment
- Obligation
reinforcement
- Structured
repayment plans
- Ensure
100% monthly employment verification for all employed members.
- Identify
early risk signals and implement preventive interventions.
- Improve
first-time compliance rates through proactive engagement.
Reporting & Analytics
You are responsible for proactive analysing and reporting on
trends and strategies for the portfolio you are allocated, which includes but
is not limited to:
- Prepare
and present weekly, monthly, and quarterly portfolio reports.
- Analyze
repayment trends and propose strategies to maintain PAR ≤3%.
- Track
key metrics: compliance rate, escalation rate, resolution timelines.
- Flag
and escalate high-risk or non-compliant cases promptly.
Members’ Communication and Support
- Provide
clear guidance on ISA obligations, repayment structures, and compliance
requirements.
- Handle
sensitive conversations with professionalism, empathy, and firmness.
- Offer
basic financial counselling to support sustainable repayment behavior.
Compliance and Documentation
- Ensure
100% documentation compliance:
- All
advisory sessions logged within 24 hours
- No
verbal agreements
- Written
confirmation for all repayment plans
- Stay
updated on regulatory requirements related to unsecured lending and ISAs.
- Ensure
all collection actions are compliant and auditable.
Key Performance Indicators (KPIs)
- Portfolio
at Risk (PAR) ≤ 3%
- ≥ 97%
compliance rate (repayment adherence)
- 100%
monthly employment verification
- ≥ 90%
case resolution within SLA (30 days)
- 100%
Customer Relationship Management documentation accuracy
- Reduction
in escalations through early intervention
Requirements
Qualifications & Experience
- Diploma
or Bachelor’s degree in Business, Finance, Economics, or related field
- 1–2
years’ experience in collections, credit management, or financial services
- Experience
working with Customer Relationship Management systems and data tracking
tools
Skills and Qualifications
- Time
management and organization skills.
- Knowledge
of relevant laws and ethical standards related to collections management.
- Strong
communication and negotiation skills (ability to handle difficult
conversations with professionalism and empathy).
- Good
public speaking skills.
- Ability
to work independently and collaboratively with a diverse team and meet
deadlines.
- Strong
analytical abilities, with a demonstrated ability to analyze complex data
and draw insightful conclusions.
- Sharp
and able to communicate and express effectively to different audiences in
English and Swahili.
Benefits
- 21
days of annual leave, excluding national holidays.
- Training,
learning and development opportunities and financial support for further
education.
- Medical
insurance/aid coverage and wellbeing initiatives.
- A
fulfilling work environment in a supportive and entrepreneurially driven
organization with clear, frequent growth opportunities
Finance Associate – LEAP Programme at Chancen International
The Finance Associate will be responsible for managing and
overseeing all financial aspects of the LEAP Programme. This role focuses on
financial planning, reporting, compliance, and portfolio management to ensure
accuracy, transparency, and efficiency in financial operations. The role
requires strong financial expertise, analytical ability, and experience in
lending operations.
Key Responsibilities
- Financial
Management & Reporting
- Lead
the preparation and maintenance of accurate financial records, ensuring
compliance with accounting standards and internal policies.
- Supervise
bookkeeping activities carried out by third-party service providers and
ensure timely reconciliation of accounts.
- Prepare
and present financial reports to the Board and investors, including:
- Quarterly
financial statements
- Budget
vs actual performance reports
- Cash
flow projections
- Loan
portfolio performance and risk reports
- Develop
and update quarterly forecasts for disbursements and repayments.
- Monitor
financial performance and recommend corrective actions to meet targets.
- Budgeting
& Forecasting
- Lead
the annual budgeting process and provide periodic variance analysis.
- Manage
cash flow and liquidity planning to ensure operational sustainability.
- Support
long-term financial planning for programme growth.
- Portfolio
& Loan Management
- Oversee
and report on loan portfolio performance, including repayment trends and
arrears management.
- Collaborate
with loan collection service providers to ensure accuracy in:
- Loan
reconciliations
- Outstanding
balances
- Repayment
schedules
- Provide
data-driven insights to improve collection efficiency and portfolio
quality.
- Compliance
& Audit
- Ensure
timely compliance with statutory and regulatory requirements (e.g., KRA
filings, audits).
- Serve
as the main point of contact for auditors and regulatory bodies.
- Maintain
proper documentation and internal controls to meet legal and governance
standards.
- Systems
& Process Improvement
- Enhance
financial systems and processes to improve accuracy, efficiency, and
transparency.
- Leverage
tools like Xero Accounting Software and Excel for reporting automation and
data analytics.
- Board
Engagement & Governance
- Prepare
financial reports, briefing notes, and data packs for Board and Funders
meetings.
- Coordinate
with the management team to ensure all financial information required for
Board decision-making is accurate and timely.
- Support
the Board in reviewing financial performance, compliance matters, and
portfolio health.
Qualifications & Experience
- Minimum
5 years’ experience in finance, accounting, or lending operations
(preferably in microfinance, consumer finance or SACCO).
- Professional
accounting qualification (CPA, ACCA, or equivalent) strongly preferred.
- Proficient
in Xero Accounting Software and advanced Excel skills.
- Proven
experience in financial reporting, budgeting, and portfolio management.
- Bachelor’s
degree in Finance, Accounting, Economics, or related field.
Student Application & Monitoring Trainee Intern at Chancen International
Main Responsibilities:
The Intern’s role will be to support the Student Application
& Monitoring team by:
- Supporting
outreach activities including but not limited to tertiary education
institution visits, Information and Pre-graduation sessions with students
among others.
- Supporting
the Student Application & Monitoring Manager and the CHANCEN team in
administrative activities.
- Support
the Student Application & Monitoring in assessing the accuracy of the
data collected from students’ applications during the onboarding process.
- Support
in filing all student Members’ documents in the proper files and sharing
with the Supervisor for checks.
- Working
closely with the wider CHANCEN International team to ensure good
collaboration.
- Prepare
all materials and documents needed for any education institution visits,
education fairs or events that CHANCEN will be taking part in.
- Support
the Student Application & Monitoring team to conduct the ISA contract
signing process between CHANCEN and the student applicants.
- Support
the coordination and scheduling of home visits in collaboration with the
program team.
- Perform
any other tasks assigned by the Supervisor.
Requirements
- Bachelor’s
degree in Education, Social Sciences, Business Administration, Development
Studies, or related field
Experience
- Minimum
2 years of administrative or customer service experience
(internships, part-time work, or volunteer experience acceptable)
- Experience
working with students, young people, or in educational settings
(preferred)
- Previous
involvement in outreach, or community engagement activities (preferred)