Job Description

Role: Senior Associate - Credit
Location: Delhi, Bangalore, or remote work from any time zone +/- 4 hours EAT
Management: Reports to Head of Credit
About Apollo Agriculture:
Apollo Agriculture is a leading agri-fintech platform empowering small-scale farmers across Africa to increase their profits and farm more sustainably. Apollo utilises artificial intelligence and automated operations to unlock the massive, untapped market for small-scale farming. Apollo enables farmers to access optimised financing, high-quality farm products, expert digital advice, and risk management solutions they need to invest in and scale their businesses. Apollo has served around 400K small-scale farmers to date across Kenya and Zambia with robust unit economics. Apollo partners with key global agriculture companies like Bayer, OCP, and Yara, and is backed by Anthemis, Chan Zuckerberg Initiative, Flourish Ventures, Leaps by Bayer, and Softbank Vision Fund. Apollo's team brings together technology, credit, and operations experience from The Climate Corporation, Google, Capital One, Revolut, and One Acre Fund.
About the Role:
We are looking for an analytically strong and strategic individual to join our Credit team and lead problem-solving and operational execution within our acquisition operations and risk strategy functions. This role combines high ownership of complex projects with the ability to drive deep data insights and implement practical solutions.
As a Senior Associate in the Credit team, you will: * Own the design, implementation, and validation of credit and fraud policies, including setting up controls, automated triggers, and frameworks to monitor effectiveness

• Drive cost optimization and staffing strategies across acquisition and repayment operations, and lead process setup and improvement initiatives, including QA development and operational efficiency monitoring
• Support broader acquisition strategy initiatives, including credit limit assignment frameworks, dynamic limit increases/decreases, retrospective policy impact assessments, repayment analytics & strategy, etc.
• Conduct root cause analysis on emerging trends and operational breakdowns across the customer lifecycle (acquisition & repayment), generate actionable insights, and present clear, strategic recommendations to stakeholders and leadership
• Work collaboratively across the full customer lifecycle - from acquisition to repayment - to design, implement, and refine strategies that improve credit performance, reduce risk, and enhance customer experience
• Develop and maintain robust data infrastructure and models to enable quick access to reliable data for policy development, trend monitoring, and deep analytical dives
• Lead the creation and maintenance of dashboards and visualisations to track performance, assess policy outcomes, and inform real-time decision-making across teams

This role is ideal for someone who thrives in a fast-paced, collaborative environment, loves solving ambiguous problems using data, and is excited to build scalable systems that influence how Apollo serves millions of farmers.
You are: * An experienced data and strategy professional with 2-5 years of experience in analytics, credit risk, operations, or strategic roles, ideally within fintech, financial services, or consulting

• Strong in structured problem solving, with demonstrated experience in breaking down large business problems and delivering strategic and operational solutions
• Skilled in SQL and Excel, with the ability to write efficient, scalable queries and conduct thorough data analysis to generate actionable insights. Python experience is preferred, but not mandatory
• Proficient with at least one data visualisation tool (e.g., Tableau, Power BI, Looker, etc.), and comfortable building dashboards that communicate key performance trends to stakeholders
• Detail-oriented, self-motivated, and proactive, with the ability to lead projects independently and consistently deliver high-quality outputs
• Clear and effective in communication, both written and verbal, able to influence and align cross-functional stakeholders
• A team player who upholds Apollo's values and strongly believes in our mission of improving the livelihoods of small-scale farmers in Africa
• A graduate in a quantitative or analytical discipline such as engineering, statistics, mathematics, or economics

We: * Are a collaborative team of smart and ambitious people who are dedicated to serving our customers

• Make magic happen to solve hard problems, and always come up with solutions when challenges arise
• Are comfortable taking risks that can result in radical scale, and understand that failures are opportunities to learn and improve
• Are considerate listeners and take the time to deeply understand and seek out ideas from the people around us, even when we disagree
• Offer a dynamic environment that fosters talent, collaboration, and growth
• Take pride in our work and share the responsibility to see it through from conception to deployment
• Back up our talk with a competitive compensation and benefits package, and challenging projects
• Value autonomy, honesty, transparency, and respect
• Are excited to hear from you!

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