Credit Risk Analyst

Moniepoint Group
Lagos
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 3+ yearsSkills: ["Communication","Risk balancing","Collaboration","Problem-solving","Analytical thinking"]

Own credit risk for a consumer lending squad by designing risk assessments, maintaining credit policies, and creating decision rules aligned to the company’s risk appetite. Monitor portfolio quality and compliance with regulatory requirements, collaborate with Decision Science on credit scorecards and scoring models, and provide risk-based input on pricing, limits, and product design. Build dashboards and analytics for repayment behavior and risk KPIs while partnering with Compliance/Legal to escalate issues and promote a “risk-by-design” culture.

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FursaFursa
Moniepoint Group
Moniepoint Group
10 months ago

Credit Risk Analyst

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Source: Company careers pageValidated by: Fursa AI
Last checked: 3 hours agoStatus: Live

Job Summary

Own credit risk for a consumer lending squad by designing risk assessments, maintaining credit policies, and creating decision rules aligned to the company’s risk appetite. Monitor portfolio quality and compliance with regulatory requirements, collaborate with Decision Science on credit scorecards and scoring models, and provide risk-based input on pricing, limits, and product design. Build dashboards and analytics for repayment behavior and risk KPIs while partnering with Compliance/Legal to escalate issues and promote a “risk-by-design” culture.
Location: Lagos
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit

Key Responsibilities

  • •Lead end-to-end risk assessment design for new products and features within the squad.
  • •Develop and maintain credit policies and decision rules aligned with company risk appetite.
  • •Collaborate with Decision Science to develop credit scorecards and monitor credit scoring models.
  • •Monitor portfolio quality and produce portfolio performance reports, including repayment behavior and cohort trends.
  • •Identify and mitigate operational, fraud, and process risks and provide risk-based input on pricing and limits.

Key Requirements

  • •Minimum 3 years of experience in consumer credit portfolio management.
  • •Strong knowledge of regulatory requirements including CBN guidelines, AML/CFT, and Data Protection.
  • •SQL essential; Python (NumPy, Pandas etc.) desirable for analytics and modeling.
  • •Demonstrable experience in credit risk management such as acquisition optimization and portfolio management.
  • •Ability to balance commercial goals with risk appetite and translate risk concepts for product and engineering teams.
Experience:3+ yearsConsumer lendingCredit risk
Skills:CommunicationRisk balancingCollaborationProblem-solvingAnalytical thinking
Languages:English
Tech Stack:SQLPythonNumPyPandasDashboards

Company Brief

Moniepoint Group
Provides digital payments, merchant services, agent banking, card issuance, and business banking solutions across Nigeria and other African markets, serving SMEs, merchants, and financial institutions with technology-first transaction and banking infrastructure.
Industry: Fintech Infrastructure
Company Size: Enterprise (1,001+ employees)
Growth: Scaleup
Headquarters: Lagos, Nigeria
Founded: 2015
WebsiteLinkedIn