About the Role
SycamoreNG is a leading financial lending and investment company dedicated to making financial services accessible and convenient for individuals and businesses. We are currently looking for a dynamic and analytical Credit Risk Specialist to join our growing team in Nigeria. In this role, you will be instrumental in safeguarding our lending portfolio by performing rigorous credit assessments, verifying customer data, and maintaining high standards of risk management.
Key Responsibilities- Review and analyze consumer and SME loan applications to determine borrowers' creditworthiness and repayment capacity.
- Conduct thorough KYC, employment verification, and fraud checks while reviewing credit bureau reports.
- Ensure all underwriting decisions strictly comply with internal credit policies and regulatory frameworks.
- Monitor the performance of assigned loan portfolios to identify early warning signs of credit deterioration.
- Prepare comprehensive credit appraisal reports and communicate lending decisions clearly to stakeholders.
- Collaborate closely with Sales, Operations, Legal, and Recovery teams to maintain healthy portfolio quality.
- Bachelor's degree in Finance, Accounting, Economics, Banking, Business Administration, or a related field.
- 3 to 5 years of relevant experience in credit underwriting, credit analysis, or risk management within banking, microfinance, or fintech lending.
- Strong proficiency in analyzing financial statements, cash flows, and bank statements.
- In-depth knowledge of regulatory compliance, KYC procedures, and fraud detection techniques.
- Advanced proficiency in Microsoft Excel and modern credit management systems.
- Exceptional analytical, numerical, and attention-to-detail skills with high integrity.
- Competitive salary with performance-based incentives.
- Comprehensive health insurance coverage.
- Opportunities for professional development in a fast-paced fintech environment.
- A collaborative and innovative workplace culture that values professional growth.