About the Role
CredPal is an innovative fintech solution committed to transforming the loan approval process and empowering individuals and businesses to make seamless purchases with reduced financial pressure. We are seeking a strategic and commercially minded Head of Credit to lead our credit strategy, underwriting frameworks, and portfolio quality across both consumer and business lending portfolios. In this executive leadership role, you will balance aggressive business growth with disciplined risk management, ensuring sustainable profitability and strong portfolio performance.
Key Responsibilities- Define and execute CredPal's overall credit strategy, risk appetite, and credit policies for consumer and business lending.
- Own the performance, profitability, and health of the entire credit portfolio, managing PAR, NPLs, and credit losses.
- Oversee end-to-end underwriting operations, driving data-driven, automated, and scalable decision-making processes.
- Establish rigorous business lending frameworks including cash-flow assessment, financial statement analysis, and sector risk management.
- Partner with Product, Data, Engineering, and Collections teams to optimize credit scoring, fraud prevention, pricing models, and recovery strategies.
- Build, mentor, and lead a high-performing credit management and analytics team.
- Bachelor's degree in Finance, Economics, Accounting, Statistics, or a related discipline; a postgraduate degree is a strong advantage.
- Minimum of 8 years of relevant experience in credit, lending, risk management, or underwriting within banking or fintech.
- Demonstrated success managing large-scale credit portfolios and delivering sustainable risk-adjusted growth.
- Deep expertise in credit policies, automated decisioning, credit scoring models, and regulatory compliance in Nigeria.
- Advanced analytical skills with proficiency in SQL, BI tools, and financial modeling.
- Relevant professional certifications such as CFA, FRM, ACA, ACCA, or ICAN are highly desirable.
- Competitive salary and performance-based incentives.
- Comprehensive health insurance coverage.
- Opportunities to shape the future of consumer credit and fintech innovation in Africa.
- Dynamic and collaborative work environment with executive leadership exposure.