Credit Risk Manager

Location: Abuja
Employment Type: Full time
Responsibilities
Develop and implement credit risk policies and strategies tailored to consumer loan products, including salary advances, personal loans, and microloans.
Oversee the end-to-end credit approval and underwriting processes, ensuring consistent and data-driven decision-making.
Lead the development and refinement of automated credit scoring models and algorithms to drive risk-based pricing and loan approvals.
Monitor loan portfolio performance, with a focus on delinquency management, early warning signals, and recovery effectiveness.
Ensure full compliance with local regulatory requirements (CBN and others) as they pertain to credit risk management.
Collaborate with the Product, Collections, and Technology teams to design and implement customer-centric risk mitigation strategies.
Provide leadership to a team of credit risk analysts, underwriters, and loan monitoring officers, ensuring continuous training and professional development.
Lead periodic stress testing and scenario analysis to evaluate credit portfolio vulnerabilities under different economic conditions.
Generate and present accurate and actionable credit risk dashboards and reports to executive leadership and board committees.
Engage with external auditors, regulators, and data bureaus to maintain transparency and enhance risk governance.
Requirements
HND / BSc Degree in Finance, Economics, Accounting, Statistics, or a related field
5+ years of experience in credit risk management within consumer lending, microfinance, or retail banking.
Proficient in the use of credit scoring tools, data analytics platforms, and portfolio management systems.
Deep knowledge of consumer lending regulations, responsible lending principles, and risk-based collections.
Strong leadership and stakeholder management skills with the ability to influence decisions at senior levels.
Application Closing Date
31st July 2025.
How to Apply
Interested and qualified candidates should submit their CV to: jobs@choicetalents.com.ng using job title as the subject of the email.
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