About the Role
Nairapoint Finance Limited is a licensed digital financial technology platform in Nigeria focused on ethical lending, investment products, and retail wealth management. Established to deepen financial inclusion for individuals and micro, small, and medium enterprises (MSMEs), we are currently seeking a detail-oriented Credit Risk Analyst to join our growing team in Lagos and ensure high portfolio quality.
Key Responsibilities- Conduct comprehensive credit risk evaluations and financial analysis for individual, SME, salary-backed, and corporate loan applicants.
- Evaluate borrowing requests against credit policy guidelines, risk-appetite metrics, and regulatory standards.
- Perform background checks, credit bureau inquiries, bank statement analyses, and qualitative risk assessments prior to facility approval.
- Prepare clear, concise credit appraisal memos and present recommendations to the Credit Committee.
- Continuously monitor and analyze loan portfolio performance to identify early warning signs of credit deterioration or default.
- Collaborate with Legal, Compliance, and Operations teams to ensure complete KYC/AML checks and policy adherence.
- Prepare periodic portfolio health, risk exposure, and impairment/provisioning reports for management review.
- Minimum of a Bachelor's degree in Finance, Economics, Accounting, Statistics, or a related discipline.
- Minimum of 3 to 5 years of proven experience in credit risk analysis, financial analysis, or underwriting within a financial institution or microfinance bank.
- Solid understanding of lending dynamics, credit scoring, and risk management within the Nigerian financial market.
- Strong financial modeling, quantitative, and data analysis capabilities.
- High level of integrity, professionalism, and attention to detail.
- Excellent written and verbal communication skills.
- Competitive salary with performance-based incentives.
- Comprehensive health insurance coverage.
- Opportunities for professional development and career advancement in a fast-growing fintech company.
- A collaborative and dynamic work environment in Ikoyi, Lagos.