Credit Analyst

4 days ago

Lagos, Lagos, Nigeria The Startup Place Limited Full time ₦4,500,000 - ₦9,000,000 per year

URGENTLY HIRING

Job Title: Credit Analyst

Location: Lekki Phase 1, Lagos, Nigeria (Hybrid)

Sector: Women's Economic Empowerment | MSME Support | Financial Inclusion

Experience: 5+ years in Credit related roles

Key Responsibilities

  • Evaluate loan applications to determine credit risk using Shecluded's policy framework.

  • Oversee day-to-day disbursement and recovery operations, ensuring alignment with performance targets.

  • Conduct business and guarantor visits as needed for loan verifications.

  • Recommend loan approvals or rejections and clearly communicate reasons to applicants.

  • Lead the implementation and refinement of credit risk strategies and performance objectives.

  • Monitor and manage overdue balances, initiate follow-up communications, and support legal escalations when necessary.

  • Prepare and present credit reports, risk analyses, and performance updates to management.

  • Contribute to budgeting, financial reporting, and the enhancement of credit documentation processes.

  • Identify patterns and trends in credit performance to inform data-driven decisions.

  • Collaborate with customer support to ensure borrower satisfaction and resolution of loan issues.

Requirements

  • 5+ years of hands-on experience in credit analysis, underwriting, or recovery within financial services or fintech.

  • Strong understanding of credit portfolio management, loan analysis, and risk mitigation.

  • Proven success managing disbursements, recoveries, and debt resolution.

  • Excellent communication, negotiation, and customer service skills.

  • Proficiency in Microsoft Office Suite; familiarity with credit tools or CRM software is a plus.

  • Strong analytical and organizational skills, with keen attention to detail.

  • Ability to work independently and handle multiple priorities effectively.

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