• Application Deadline:
• Position: Credit Analyst


• Job Type Full Time


• Qualification BA/BSc/HND , MBA/MSc/MA


• Experience 4 years


• Location Lagos


• Job Field Finance / Accounting / Audit 
  

Job Role

• Develop, refine, and maintain risk assessment models to evaluate the risk profile of individuals or businesses seeking earned wage access and other credit products. 


• Analyze financial statements, credit reports, and other relevant data sources to make informed lending decisions.


• Collaborate with the senior management team to establish and update credit policies, ensuring compliance with regulatory requirements.


• Develop and maintain credit risk assessment models that accurately evaluate the creditworthiness of applicants and borrowers.


• Lead the credit underwriting process, including reviewing loan applications, conducting risk assessments, and determining appropriate loan terms and conditions.


• Monitor the performance of the loan portfolio, identifying and mitigating potential risks and delinquencies.


• Prepare regular reports on credit portfolio performance, delinquency rates, and other key performance indicators for senior management and regulatory authorities.


• Ensure compliance with all relevant laws and regulations governing lending practices.


• Collaborate with cross-functional teams, including sales, customer success, product, and engineering  to optimize lending operations.


• Continuously assess and enhance credit risk assessment processes and strategies to improve lending efficiency and reduce risk.

Qualifications

• Bachelor's degree in finance, economics, data science, business, or a related field. Master's degree or professional finance certification is a plus.


• Minimum of 4 years of experience in credit management, risk assessment, or underwriting at a bank, microfinance institution, or fintech company.


• Strong analytical and quantitative skills, with the ability to interpret financial data and build predictive models.


• Knowledge of relevant regulatory requirements and lending best practices.


• Excellent communication and interpersonal skills.


• Proficiency in data analysis tools and software (e.g., Python, Excel, SAS, R).


• Ability to work in a fast-paced, dynamic environment and adapt to changing business needs.


• Strong attention to detail and a commitment to accuracy.