• Application Deadline:
• Position: Credit Risk Analyst



• Job Type Full Time



• Qualification



• Experience 3 years



• Location Lagos




• Job Field Risk Management and Compliance 
  
  

About the role

• We are seeking an analytical and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of Moniepoint’s consumer lending product squads.


• In this role you will bring together credit policy and portfolio management analytics to ensure every product and feature balances rapid growth with robust credit risk controls.


• You will design, monitor, and refine credit policies and decision rules for your squad; oversee portfolio performance and compliance with CBN/MFB and KYC/AML standards; and partner with product, engineering, and operations to build “risk-by-design” products from day one.


• This role requires a rare mix of analytical depth, regulatory understanding, and product instinct - you will be at the centre of how Moniepoint manages risk at scale within your squad.

Key Responsibilities 

• Lead end-to-end risk assessment design for new products and features within your squad


• Develop and maintain credit policies and decision rules aligned with company risk appetite


• Collaborate with the Decision Science team to develop credit scorecards


• Monitor portfolio quality and produce portfolio performance reports


• Partner with Decision Science to develop credit scoring models and monitor their effectiveness


• Identify and mitigate operational, fraud, and process risks in collaboration with wider teams


• Provide risk-based input on pricing, limits, and product design


• Maintain dashboards and analytics for repayment behaviour, cohort trends, and other risk KPIs


• Act as the squad’s liaison to central Compliance/Legal and escalate issues promptly


• Champion a “risk by design” culture by educating squad members on best practices

Requirements

• A minimum of 3 years experience in consumer credit portfolio management


• Strong knowledge of regulatory requirements (CBN guidelines, AML/CFT, Data Protection, etc.)


• SQL Essential, Python (NumPy, Pandas etc.) desirable


• Demonstrable experience in Credit Risk management (acquisition optimisation, portfolio management etc.)


• Ability to balance commercial goals with risk appetite


• Excellent communicator - can translate risk concepts for product/engineering


• A good knowledge of financial analysis is an added advantage


• An empathetic, inclusive and curious attitude

What we can offer you

• Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.


• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.


• Compensation - You’ll receive an attractive salary, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with one of our recruiters.


• A technical interview with the Head of Credit Risk


• An interview with a business lead


• A behavioural and technical interview with a member of the executive team.