About the Role
Moniepoint is a leading financial technology company digitizing Africa's real economy by building a comprehensive financial ecosystem for businesses and consumers. We are currently seeking a dynamic and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of our consumer lending product squads in Nigeria. In this impactful role, you will bridge the gap between credit policy and portfolio management analytics, ensuring that every innovative product and feature balances rapid commercial growth with rigorous credit risk controls. You will design, monitor, and refine credit policies, oversee portfolio performance in alignment with CBN and MFB regulations, and partner closely with engineering, product, and operations teams to build risk-by-design products from day one.
Key Responsibilities- Lead end-to-end risk assessment design for new consumer lending products and features within your squad.
- Develop and maintain credit policies, decision rules, and pricing strategies aligned with company risk appetite.
- Collaborate with the Decision Science team to develop, implement, and monitor credit scorecards and scoring models.
- Monitor overall portfolio quality, producing detailed performance reports and maintaining dashboards for repayment behavior and cohort trends.
- Identify and mitigate operational, fraud, and process risks in collaboration with cross-functional teams.
- Act as the primary squad liaison to central Compliance and Legal departments, ensuring adherence to KYC and AML standards.
- Minimum of 3 years of hands-on experience in consumer credit portfolio management or credit risk management.
- Strong working knowledge of Nigerian regulatory requirements, including CBN guidelines, AML/CFT mandates, and Data Protection laws.
- 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 a disciplined risk appetite.
- Excellent communication skills with the ability to translate complex risk concepts for product and engineering teams.
- A degree in Finance, Economics, Statistics, or a related quantitative field is preferred.
- Competitive salary with comprehensive benefits package tailored to support your financial well-being.
- A people-first culture that prioritizes work-life balance, inclusivity, and professional growth.
- Robust learning and development environment featuring regular knowledge-sharing sessions and technical talks.