About the Role
Pagatech Limited is pioneering digital financial services across Africa with a vision to enable a cashless society and bank the unbanked. We are currently looking for a detail-oriented Credit Risk Officer to join our dynamic team in Nigeria. In this role, you will evaluate loan applications, analyze financial data, and provide data-driven recommendations to support Memento Microfinance Bank’s lending operations while maintaining a healthy portfolio.
Key Responsibilities- Review and analyze loan applications, financial statements, cash flows, and credit bureau reports from CRC and First Central.
- Coordinate KYC, BVN, NIN, and AML checks to ensure complete compliance with regulatory standards.
- Prepare comprehensive credit appraisal reports with objective recommendations regarding loan amounts, tenors, and pricing.
- Verify fulfillment of all Conditions Precedent (CPs) prior to loan disbursement and booking by the finance team.
- Monitor portfolio performance, track non-performing loans (NPLs), and identify early warning signals for proactive risk mitigation.
- Collaborate with business development, internal control, and finance stakeholders while maintaining risk management independence.
- Bachelor degree in Finance, Accounting, Economics, Business Administration, Statistics, or a related field.
- Minimum of 3 years of relevant professional experience in credit analysis, risk management, or loan underwriting within the financial services sector.
- Strong proficiency in financial statement analysis, cash flow assessment, and credit bureau interpretation.
- Familiarity with digital lending platforms, automated credit assessment tools, and regulatory frameworks.
- Exceptional analytical, problem-solving, and communication skills with high attention to detail.
- Competitive salary and performance-based incentives.
- Comprehensive health insurance coverage.
- Opportunities for professional development in a fast-growing fintech ecosystem.
- Collaborative and innovative work environment.