Our story

Why we exist.

African lenders need credit risk depth that is both globally rigorous and locally relevant. The firms that need this depth most are too often offered playbooks built for other markets.

We support banks, fintechs, microfinance institutions, mobile network operators and investors to scale lending responsibly and profitably across the African continent.

Buwang Mokuele

Founder & Principal

I have always wanted to make a positive impact in people’s lives, but I have not had the resources to do that directly. So the most useful contribution I could make was to apply my education and experience in credit risk to help the institutions that have the means.

Helping institutions make better, more inclusive decisions while still meeting their shareholder objectives extends my contribution further than I could achieve alone. Ahpollo was conceived as the vehicle for that contribution: a way to do intellectually rigorous work that also delivers positive social impact.

Four challenges we solve

Growing safely in thin-data and alternative-data environments where traditional credit data is incomplete or unreliable.
Improving profitability and portfolio resilience through tailored risk segmentation across origination and account management.
Building audit-ready IFRS 9 and economic-capital models despite constrained data and evolving regulatory expectations.
Institutionalising strong credit decisioning, model governance and risk frameworks that scale with growth.

Four problems, one firm built to solve them.

What clients can expect

Improved decision accuracy at origination: who to lend to, how much, at what price.
Earlier detection of emerging risk and more proactive account management.
More efficient collections strategies that result in lower losses.
Clear, documented and defensible models aligned to audit and regulatory scrutiny.
Practical implementation support, not just theoretical outputs.

Beyond credit risk

Our home is credit risk, but the disciplines behind our work — statistical modelling, forecasting, decision analytics, and the governance that underpins them — apply just as well to adjacent risk categories, and to any strategic decision that calls for rigorous quantitative thinking.