Credit Risk Analyst

2 days ago

Lagos, Lagos, Nigeria Henriken Consulting HR Full time

Company Description

Henriken Consulting Limited (HCL) is a leading human capital management and development organization that provides tailored solutions for individuals, SMEs, large corporations, and government bodies across Africa, the USA, the UK, and Canada. HCL specializes in international management education, human capital development, and business solutions to enhance organizational growth and efficiency. With a team of innovative and committed professionals, Henriken Consulting is dedicated to delivering exceptional services that empower its clients. The organization prioritizes the integration of technology to drive business success, aiming to be a global leader in people and business management. HCL continues to expand its clientele and partnerships, focusing on sustainability and value creation.

About the job

We're looking for a Credit Risk Analyst who is passionate about building strong, data-driven credit systems that unlock opportunities for women in business. As we continue to tackle the gender finance gap and deepen our impact, we need someone who can bring analytical excellence, sound judgment, and a commitment to maintaining a healthy, high-performing loan portfolio. If this is you We want you

The ideal candidate is a problem-solver at heart; someone who enjoys digging into numbers, spotting patterns, and challenging assumptions to make smarter, faster credit decisions.

They have a strong understanding of credit risk, lending processes, and portfolio dynamics, and are excited about how technology and AI can transform credit for women entrepreneurs.

What Makes You a Great Fit
:

  • You love problem-solving and naturally think in terms of systems, probabilities, and causes.
  • You have a solid grasp of credit analysis, risk assessment, and financial statement interpretation.
  • You understand concepts like PD, LGD, ECL, credit scoring, loan performance drivers, and portfolio segmentation (or you're excited to learn).
  • You can balance quantitative analysis with sound judgment.
  • You know how to translate data into clear decisions and actionable recommendations.

Technical Skills We Value

  1. Experience with credit risk modelling or exposure to risk frameworks
  2. Strong Excel/Google Sheets & financial modelling
  3. Understanding of data analysis tools (SQL, Python, PowerBI, or willingness to learn)
  4. Ability to identify risk patterns, emerging trends, and early warning signals
  5. Familiarity with digital lending, scoring systems, or credit underwriting best practices
  6. Ability to contribute to improving credit policies, scoring rules, and internal processes

Responsibilities

  • Conduct thorough credit assessments and analyze borrowers' financial statements, cashflow, and repayment capacity.
  • Review loan applications, prepare credit memos, and make clear recommendations on approval or decline.
  • Monitor loan portfolio performance, identify early warning signs, and support strategies to reduce default risk.
  • Ensure compliance with credit policies, documentation standards, and risk management procedures.
  • Prepare regular credit and portfolio reports to support decision-making by the credit and leadership teams.

  • Credit & Risk Analyst

    1 week ago

    Lagos, Lagos, Nigeria Good Neighbours Microfinance Bank Full time ₦1,800,000 - ₦3,600,000 per year

    Work with the Control Manager to assess credit applications.Conduct preliminary interviews with loan applicants.Monitor the sales team for emerging risks and develop a robust system to identify, manage and control credit, market and operational risks.Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular...

  • Credit Analyst

    6 days ago

    Lagos, Lagos, Nigeria Lotus Capital Limited Full time

    Company DescriptionLotus Capital Limited is the pioneer of Islamic Finance in Nigeria and is registered with the Securities & Exchange Commission (SEC) as a Fund manager. With 19 years of experience, Lotus Capital has consistently provided Shariah-compliant Investment Management and Asset Management Services while contributing to the growth of the Nigerian...

  • Credit and Risk Analyst

    1 week ago

    Lagos, Lagos, Nigeria Oscar Temple Full time ₦1,400,000 - ₦4,200,000 per year

    Experience Level: 2-4 YearsAbout usWe are a trusted investment banking and financial services organisation, delivering tailored financial solutions to clients through a combination of market expertise, innovative thinking, and a strong commitment to governance and risk management.Job SummaryWe are seeking a dynamic and detail-oriented Credit and Risk Officer...

  • Credit Analyst

    1 week ago

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

    URGENTLY HIRINGJob Title: Credit AnalystLocation: Lekki Phase 1, Lagos, Nigeria (Hybrid)Sector: Women's Economic Empowerment | MSME Support | Financial InclusionExperience: 5+ years in Credit related rolesKey ResponsibilitiesEvaluate loan applications to determine credit risk using Shecluded's policy framework.Oversee day-to-day disbursement and recovery...

  • Credit Analyst

    1 week ago

    Lagos, Lagos, Nigeria Rosie's People Full time ₦1,500,000 - ₦3,000,000 per year

    PLEASE READ THE FULL JD BEFORE APPLYING. INCOMPLETE APPLICATIONS WILL AUTOMATICALLY BE DISQUALIFIED.About The OpportunityOur client is a dynamic and fast-growing financial services company dedicated to providing accessible and innovative credit solutions to businesses in Nigeria. They are a key player in the SME lending space, empowering companies to achieve...

  • Credit Analyst

    6 days ago

    Lagos, Lagos, Nigeria Rosie's People Full time ₦36 - ₦96 per year

    PLEASE READ THE FULL JD BEFORE APPLYING. INCOMPLETE APPLICATIONS WILL AUTOMATICALLY BE DISQUALIFIED. About the Opportunity Our client is a dynamic and fast-growing financial services company dedicated to providing accessible and innovative credit solutions to businesses in Nigeria. They are a key player in the SME lending space, empowering companies to...

  • Credit Analyst

    6 days ago

    Lagos, Lagos, Nigeria Rosie's People Full time ₦1,500,000 - ₦3,000,000 per year

    PLEASE READ THE FULL JD BEFORE APPLYING. INCOMPLETE APPLICATIONS WILL AUTOMATICALLY BE DISQUALIFIED.About the OpportunityOur client is a dynamic and fast-growing financial services company dedicated to providing accessible and innovative credit solutions to businesses in Nigeria. They are a key player in the SME lending space, empowering companies to achieve...

  • Credit Sales Analyst

    6 days ago

    Lagos, Lagos, Nigeria Sabi Full time

    Credit Sales AnalystSabiAccounting, Auditing & FinanceLagos Full TimeBanking, Finance & Insurance ConfidentialMinimum Qualification :Experience Level : Entry levelExperience Length : 2 yearsJob Description/RequirementsAbout KatsuWe are hiring into Katsu, one of our business units, a licensed microfinance bank focused on delivering modern, efficient financial...

  • Regulatory & Credit Risk Analyst – VP / AVP

    6 days ago

    Lagos, Lagos, Nigeria Citibank Full time ₦1,500,000 - ₦6,000,000 per year

    JOB TITLE: Regulatory & Credit Risk Analyst – VP / AVPJOB LOCATION: Lagos, Nigeria ADVERTISEMENTJOB DETAILS:The Regulatory & Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management...

  • Senior Corporate Credit Analyst

    1 week ago

    Lagos, Lagos, Nigeria FirstRand Full time ₦40,000 - ₦50,000 per year

    Job DescriptionThe essence of this role is to strengthen the credit department and its processes and enhance corporate velocity. The Senior Credit Analyst will be responsible for a portfolio of Corporate Clients and Trade/Commodity Finance exposures, typically across all major industries of focus for RMB Nigeria. He/she will assist the HOC in the day-to-day...