About the Role
PalmPay is building an inclusive financial ecosystem that provides millions of customers with exceptional digital and financial services. We are currently expanding our risk management team and seeking a dynamic, analytical Credit Risk Manager to lead our SME credit underwriting function in Nigeria.
In this strategic leadership role, you will be responsible for overseeing the underwriting team, ensuring high-quality credit decisions that align with our risk appetite, and minimizing default rates. You will collaborate closely with cross-functional teams including Field Verification, Collections, Sales, and Risk to protect portfolio health while scaling our lending operations.
Key Responsibilities- Lead, mentor, and supervise the Credit Underwriting team to ensure efficient, accurate, and timely credit decisions.
- Review, assess, and approve SME loan applications in strict compliance with established credit policies and risk frameworks.
- Evaluate complex credit proposals, financial statements, cash flows, and overall business performance.
- Monitor overall portfolio quality, proactively identify emerging credit risks, and implement effective mitigation strategies.
- Partner closely with Field Verification, Collections, Sales, and Risk teams to optimize loan quality and lower default rates.
- Continuously develop, refine, and implement credit underwriting standards, operational policies, and process improvements.
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related quantitative field.
- 5 to 8 years of hands-on experience in credit underwriting, credit risk management, or SME lending.
- Mandatory background working within a bank, fintech, digital lending platform, or microfinance institution.
- Demonstrated proficiency in SME credit analysis, financial statement auditing, and lending policy execution.
- Exceptional leadership, stakeholder management, communication, and report-writing skills.
- Relevant professional certifications such as ACIB, ACA, ACCA, CFA, FRM, or CRCMP will be a strong advantage.
- Competitive salary package with performance-based incentives.
- Comprehensive health insurance and wellness coverage.
- Opportunities for rapid career growth in a fast-paced, innovative fintech environment.
- Collaborative and dynamic workplace culture with top-tier industry professionals.