• Application Deadline:
• Position: Credit Analyst



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 5 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Key Responsibilities

• Evaluate loan applications to determine credit risk using Shecluded’s policy framework.


• Oversee day-to-day disbursement and recovery operations, ensuring alignment with performance targets.


• Conduct business and guarantor visits as needed for loan verifications.


• Recommend loan approvals or rejections and clearly communicate reasons to applicants.


• Lead the implementation and refinement of credit risk strategies and performance objectives.


• Monitor and manage overdue balances, initiate follow-up communications, and support legal escalations when necessary.


• Prepare and present credit reports, risk analyses, and performance updates to management.


• Contribute to budgeting, financial reporting, and the enhancement of credit documentation processes.


• Identify patterns and trends in credit performance to inform data-driven decisions.


• Collaborate with customer support to ensure borrower satisfaction and resolution of loan issues.

Requirements

• 5+ years of hands-on experience in credit analysis, underwriting, or recovery within financial services or fintech.


• Strong understanding of credit portfolio management, loan analysis, and risk mitigation.


• Proven success managing disbursements, recoveries, and debt resolution.


• Excellent communication, negotiation, and customer service skills.


• Proficiency in Microsoft Office Suite; familiarity with credit tools or CRM software is a plus.


• Strong analytical and organizational skills, with keen attention to detail.


• Ability to work independently and handle multiple priorities effectively.