About the Role
Moniepoint is a leading financial technology company digitising Africa’s real economy by building a comprehensive financial ecosystem for businesses and consumers. We are seeking an analytical and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of our consumer lending product squads. In this role, you will combine credit policy and portfolio management analytics to ensure our financial products balance rapid growth with robust risk management, playing a pivotal role in shaping how we scale secure lending across Nigeria.
Key Responsibilities- Lead end-to-end risk assessment design for new consumer lending products and features within your squad.
- Develop and maintain credit policies, pricing strategies, and decision rules aligned with company risk appetite and CBN/MFB regulations.
- Collaborate with the Decision Science team to develop, test, and monitor credit scorecards and scoring models.
- Monitor portfolio quality closely, producing detailed performance reports on repayment behavior and cohort trends.
- Identify and mitigate operational, fraud, and process risks in close partnership with engineering, product, and operations teams.
- Maintain dynamic dashboards to track essential risk KPIs and escalate compliance issues promptly to central Legal and Compliance.
- Minimum of 3 to 5 years of proven experience in consumer credit portfolio management and risk assessment.
- Strong working knowledge of Nigerian regulatory requirements, including CBN guidelines, AML/CFT, and Data Protection.
- Proficiency in SQL is essential; familiarity with Python libraries such as NumPy and Pandas is highly desirable.
- Demonstrated ability to balance commercial growth goals with stringent risk management appetites.
- Exceptional communication skills with the ability to translate complex risk concepts for engineering and product teams.
- Solid foundation in financial analysis, coupled with a curious, empathetic, and inclusive mindset.
- Competitive salary and performance-based incentives.
- Comprehensive health insurance coverage for you and your dependents.
- Opportunities for professional growth and accelerated career progression in a top-tier African fintech.
- Collaborative, dynamic, and innovative work culture with hybrid work options.