About the Role
PalmPay is building a dynamic ecosystem to provide millions of customers with the best choice and value in digital and financial services. We are creating new and unique experiences for our customers and offering unprecedented scale to our partners. We are currently looking for a detail-oriented Credit Risk Analyst to join our growing risk management team in Nigeria. In this role, you will be responsible for reviewing and analyzing SME loan applications to deliver accurate credit decisions in line with our established credit policies and underwriting standards. The ideal candidate possesses strong analytical skills and a solid background in loan assessment, helping us maintain a healthy balance between aggressive business growth and exceptional portfolio quality.
Key Responsibilities- Review and analyze complex SME loan applications and supporting financial documents with high accuracy
- Assess borrowers' creditworthiness, financial health, and overall repayment capacity
- Make timely credit decisions and recommendations in line with established credit policy and underwriting standards
- Liaise closely with Field Verification Officers and the broader Risk Team to resolve loan-related issues
- Ensure the absolute accuracy and completeness of all loan documentation before disbursement
- Maintain proper records and support ongoing credit process improvement initiatives
- Monitor portfolio performance and identify emerging credit trends or potential risks
- Minimum of 2 years of proven experience in loan underwriting, credit analysis, or a closely related role within the financial sector
- Prior experience performing SME credit risk assessment is strictly required
- Previous work experience in the banking, fintech, or financial services industry will be an added advantage
- Excellent communication, documentation, and reporting skills
- Strong knowledge of risk control frameworks and a solid sense of industry research
- Competitive salary and performance-based incentives
- Comprehensive health insurance coverage
- Opportunities for professional growth and career advancement in a fast-paced fintech environment
- A collaborative and innovative work culture