Credit Risk Analyst

21 hours ago

Lagos, Nigeria Moniepointorporated Full-time

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Lead end-to-end risk assessment design for new products and features within your squad
Develop and maintain credit policies and decision rules aligned with company risk appetite
Collaborate with the Decision Science team to develop credit scorecards
Monitor portfolio quality and produce portfolio performance reports
Partner with Decision Science to develop credit scoring models and monitor their effectiveness
Identify and mitigate operational, fraud, and process risks in collaboration with wider teams
Provide risk-based input on pricing, limits, and product design
Maintain dashboards and analytics for repayment behaviour, cohort trends, and other risk KPIs
Act as the squad’s liaison to central Compliance/Legal and escalate issues promptly
Champion a “risk by design” culture by educating squad members on best practices

Requirements

A minimum of 3 years experience in consumer credit portfolio management
Strong knowledge of regulatory requirements (CBN guidelines, AML/CFT, Data Protection, etc.)
SQL Essential, Python (NumPy, Pandas etc.) desirable
Demonstrable experience in Credit Risk management (acquisition optimisation, portfolio management etc.)
Ability to balance commercial goals with risk appetite
Excellent communicator - can translate risk concepts for product/engineering
A good knowledge of financial analysis is an added advantage
An empathetic, inclusive and curious attitude

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