About the Role
The Operations & Risk Officer is central to maintaining the quality and integrity of our client's invoice factoring platform. You will assess and monitor the creditworthiness of corporate buyers (anchors) and manage the operational and credit risks embedded in financed invoices. This role sits at the intersection of credit analysis, risk management, and daily operations, ensuring every facility is backed by sound analysis and appropriate controls.
Key ResponsibilitiesCredit & Counterparty Risk Management
- Conduct comprehensive credit assessments of anchors using financial statements, bank records, credit bureau reports, and CAC records
- Classify anchors by type and apply appropriate assessment frameworks with weighted scoring across risk dimensions
- Recommend and calibrate exposure limits, tenors, and invoice size caps based on payables volume and concentration ceilings
- Apply knock-out screening for adverse judgements, regulatory sanctions, and negative net worth
- Monitor live portfolio for payment delays, rising DPO, disputes, and sector deterioration; escalate early warnings promptly
Operations & Controls
- Support daily transaction operations: invoice onboarding, verification, disbursement, and collections
- Reconcile payments against outstanding invoices and financier positions; investigate discrepancies
- Maintain accurate, auditable records of anchors, vendors, facilities, and limits
- Enforce internal controls, identify gaps, and recommend improvements
- Support KYC/AML, CAC verification, PEP screening, and NDPA-compliant data handling
- Produce periodic risk and operations management information and dashboards for leadership
- Bachelor's degree in Finance, Accounting, Economics, or related discipline
- 3–6 years' experience in credit analysis, risk management, or operations in banking, fintech, factoring, or financial services
- Demonstrated ability to assess corporate/SME credit and interpret financial statements and credit bureau reports
- Strong familiarity with Nigerian regulatory environment (CAC, CBN, SEC, NDPA 2023)
- Professional qualification (ACA, ACCA, CFA, or risk certification) is advantageous
Essential Skills
- Strong analytical and numerical capabilities with sound judgement under incomplete information
- Meticulous attention to detail and evidence-based decision-making
- Clear, structured written communication suitable for executives and external stakeholders
- High integrity, strong ethics, and willingness to escalate concerns
- Proficiency with spreadsheets and digital platforms
- Ability to balance risk discipline with commercial pragmatism in a fast-paced environment