Credit Risk Analyst

About this job

<p><strong>Who we are</strong></p> <p>Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.</p> <p>Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed.

Key details

• Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria.</p> <p><strong>About the role</strong></p> <p>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.</p> <p>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.</p> <p><em>Curious about what makes Moniepoint an incredible place to work?</em><a href="https://moniepoint.com/blog"><em> </em><em>Check out posts on how we cultivate a culture of innovation, teamwork, and growth.</em></a></p> <p><strong>Key Responsibilities </strong></p> <ul> <li>Lead end-to-end risk assessment design for new products and features within your squad</li> <li>Develop and maintain credit policies and decision rules aligned with company risk appetite</li> <li>Collaborate with the Decision Science team to develop credit scorecards</li> <li>Monitor portfolio quality and produce portfolio performance reports</li> <li>Partner with Decision Science to develop credit scoring models and monitor their effectiveness</li> <li>Identify and mitigate operational, fraud, and process risks in collaboration with wider teams</li> <li>Provide risk-based input on pricing, limits, and product design</li> <li>Maintain dashboards and analytics for repayment behaviour, cohort trends, and other risk KPIs</li> <li>Act as the squad’s liaison to central Compliance/Legal and escalate issues promptly</li> <li>Champion a “risk by design” culture by educating squad members on best practices</li> </ul> <p><strong>Requirements</strong></p> <ul> <li>A minimum of 3 years experience in consumer credit portfolio management</li> <li>Strong knowledge of regulatory requirements (CBN guidelines, AML/CFT, Data Protection, etc.)</li> <li>SQL Essential, Python (NumPy, Pandas etc.) desirable</li> <li>Demonstrable experience in Credit Risk management (acquisition optimisation, portfolio management etc.)</li> <li>Ability to balance commercial goals with risk appetite</li> <li>Excellent communicator - can translate risk concepts for product/engineering</li> <li>A good knowledge of financial analysis is an added advantage</li> <li>An empathetic, inclusive and curious attitude</li> </ul> <p><strong>What we can offer you</strong></p> <ul> <li>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.</li> <li>Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.</li> <li>Compensation - You’ll receive an attractive salary, plus other benefits.</li> </ul> <p><strong>What to expect in the hiring process</strong></p> <ul> <li>A preliminary phone call with one of our recruiters.</li> <li>A technical interview with the Head of Credit Risk</li> <li>An interview with a business lead</li> <li>A behavioural and technical interview with a member of the executive team. </li> </ul> <p>Moniepoint is an equal-opportunity employer.
• We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.</p> <p> </p>