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 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 Nigeria. In this role, you will combine credit policy expertise with portfolio management analytics to ensure that rapid product growth is balanced with robust risk controls. You will design and refine decision rules, oversee portfolio performance, and ensure full compliance with regulatory standards while partnering closely with product, engineering, and operations teams.
Key Responsibilities- Lead end-to-end risk assessment design for new consumer lending products and features within your squad.
- Develop and maintain credit policies and decision rules aligned with Moniepoint's overall risk appetite.
- Collaborate with the Decision Science team to build, deploy, and monitor credit scoring models and scorecards.
- Monitor portfolio quality regularly and produce comprehensive portfolio performance reports.
- Identify and mitigate operational, fraud, and process risks in close collaboration with cross-functional teams.
- Provide critical risk-based input on pricing strategies, credit limits, and product design features.
- Maintain dashboards and analytics tracking repayment behavior, cohort trends, and core risk KPIs.
- Act as the primary squad liaison to central Compliance and Legal teams, ensuring prompt issue escalation.
- Minimum of 3 years of hands-on experience in consumer credit portfolio management.
- Strong working knowledge of Nigerian regulatory requirements, including CBN guidelines, AML/CFT, and Data Protection.
- Proficiency in SQL is essential; programming experience in Python (NumPy, Pandas) is highly desirable.
- Demonstrated expertise in credit risk management, covering acquisition optimization and portfolio oversight.
- Ability to effectively balance commercial growth objectives with prudent risk management.
- Excellent communication skills with the ability to translate complex risk concepts for engineering and product teams.
- Competitive salary and compensation package within the Nigerian fintech market.
- Opportunities for professional growth and career advancement in a fast-scaling tech environment.
- Collaborative and innovative work culture with hybrid work flexibility.
- Comprehensive health insurance and wellness benefits.