Job Description
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Company
Aella
Location
Lagos, nigeria
Employment
Full Time
Work style
Onsite
Experience
Valid until
Not specified
Created
June 17, 2026
Moniepoint Inc.
About the role We are seeking an analytical and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of Moniepoint's consumer lending product squads. In this role you will bring together credit policy and portfolio management analytics to ensure every product and feature balances rapid growth with robust credit risk controls. You will design, monitor, and refine credit policies and decision rules for your squad; oversee portfolio performance and compliance with CBN/MFB and KYC/AML standards; and partner with product, engineering, and operations to build "risk-by-design" products from day one. This role requires a rare mix of analytical depth, regulatory understanding, and product instinct - you will be at the centre of how Moniepoint manages risk at scale within your squad. Key Responsibilities 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.
13 days ago
U-Connect Human Resources Consulting
Abuja, nigeria
Job Summary You will assess and manage credit risks on investments, loans, and counterparties to support sound decision-making and protect the company's capital. Key Responsibilities Conduct detailed credit analysis, financial modeling, and ratio analysis. Develop and monitor credit risk models and portfolio exposure. Prepare risk reports and present findings to management. Track macroeconomic and regulatory trends. Requirements Bachelor's Degree in Finance, Economics, Accounting, Statistics or related field (Master's or certifications like FRM, CFA, ICAN is an advantage). 3 - 5 years experience in credit risk analysis (banking/investment firm preferred). Strong skills in financial modeling, Excel, and data analysis (Python/R is a plus). Good knowledge of credit risk frameworks and Nigerian regulations. Excellent analytical and communication skills.
PalmPay
The Credit Risk Analyst will be responsible for reviewing and analyzing SME loan applications to deliver accurate credit decisions in line with established credit policies and underwriting standards. The ideal candidate must possess strong analytical skills and prior experience in loan assessment and risk evaluation. The role will involve analyzing loan applications, identifying potential credit risks, monitoring portfolio performance, and supporting the business in making sound lending decisions while maintaining a balance between business growth and portfolio quality. Key Responsibilities Review and analyze loan applications and supporting documents Assess borrowers' creditworthiness and repayment capacity Make recommendations in line with credit policy and underwriting standards Liaise with Field Verification Officers and Risk Team on loan-related issues Ensure accuracy and completeness of loan documentation Maintain proper records and support process improvement initiatives Requirements Minimum of 2 years experience in loan underwriting, credit analysis, or related role Prior experience performing similar functions is required Experience in the banking or financial services industry is an added advantage Excellent communication, documentation and reporting skills Great knowledge of risk control and a good sense of industry research.
18 days ago
Vale Finance Limited
Duties & Responsibilities: Evaluate creditworthiness of loan applicants by analyzing financial statements, credit reports, and other relevant information to determine risk levels. Conduct thorough risk assessments and recommend appropriate credit limits, terms, and conditions for loan approvals. Review loan applications and make recommendations based on established credit policies, procedures, and regulatory requirements. Monitor existing loan portfolios to identify potential risks, trends, and adverse developments. Develop and implement risk mitigation strategies, including collateral requirements, loan restructuring, and collections initiatives. Collaborate with cross-functional teams, including underwriting, collections, and compliance, to ensure consistent application of credit policies and procedures. Stay abreast of industry trends, regulatory changes, and best practices in credit risk management to enhance risk assessment methodologies and processes. Prepare and present credit risk reports, analyses, and recommendations to senior management and stakeholders. Participate in credit committee meetings and provide input on credit-related matters, portfolio performance, and risk trends. Foster positive relationships with internal stakeholders, external auditors, and regulatory agencies to support effective risk management and compliance efforts. Candidate must have suitable knowledge regarding the loan underwriting with the products such as Candidates who have worked in financial institutions with single obligor limits around 100m - 500m.
20 days ago
Atiat Limited
Interested applicant(s) should possess relevant qualifications and experience
a month ago