• Application Deadline:
• Position: Credit Officer



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 1 - 3 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Summary

• Our client, a rapidly expanding Digital Bank, is seeking skilled and tech-savvy Credit Officers to join its innovative financial services team.


• The ideal candidates will be responsible for assessing loan applications, managing digital credit portfolios, and ensuring sound risk management practices while leveraging data-driven tools to enhance decision-making.

Responsibilities

• Evaluate digital loan applications using automated scoring models and perform detailed manual credit analysis when required.


• Review applicants’ financial data, transaction histories, and alternative credit data sources to assess creditworthiness.


• Recommend credit approvals or declines in line with internal policies and digital banking standards.


• Monitor loan performance on the bank’s digital platforms and proactively identify potential defaults or fraud risks.


• Collaborate with product and risk teams to improve credit processes and optimize lending solutions.


• Generate and present digital credit reports and insights to management.


• Ensure compliance with banking regulations, internal controls, and data protection standards.


• Maintain accurate digital records of credit decisions and customer interactions within the bank’s platform.

Qualifications

• Bachelor’s degree in Finance, Banking, Economics, Accounting, or related discipline.


• 1–3 years of experience as a Credit Officer, Credit Analyst, or Loan Officer, ideally within a fintech or digital banking environment.


• Strong understanding of credit risk assessment, loan underwriting, and digital lending models.


• Proficiency in using digital banking tools, credit scoring systems, and MS Office Suite.


• Excellent analytical, communication, and decision-making skills.


• Ability to work in a fast-paced, technology-driven banking environment.