Credit Risk Manager

Company Description Alert Group is a diversified financial services and energy group with four subsidiaries serving customers across Nigeria. Alert Microfinance Bank (MFB) is a profitable, deposit-taking institution based in Lagos with a mission to empower micro and SME entrepreneurs through tailor-made financial services. Auto Bucks is a non-deposit-taking microfinance institution focused on SME lending. Greenbucks operates in the renewable energy sector, while Bucksfield is an asset management company regulated by the SEC. Together, the group offers integrated solutions in finance, lending, asset management, and sustainable energy, creating opportunities for growth-minded professionals.
Role Description This is a full-time, on-site Credit Risk Manager role based in Abuja. The Credit Risk Manager will evaluate and approve credit applications, perform detailed credit analyses, and set risk limits in line with the group’s credit policies. The role involves monitoring loan and investment portfolios, identifying emerging risks, and recommending mitigation strategies. The Credit Risk Manager will develop and refine credit risk frameworks, models, and reporting tools to support decision-making. The individual will collaborate with business units, finance, and operations to structure credit products, ensure compliance with internal and regulatory standards, and prepare regular risk reports for senior management.
Qualifications

• Strong credit-focused expertise, including Credit Management and Credit Risk Management, with experience assessing borrowers, structuring facilities, and enforcing credit policies.
• Advanced Analytical Skills and Finance knowledge to interpret financial statements, build risk assessments, and support data-driven decisions.
• Proficiency in Portfolio Management, including monitoring portfolio quality, tracking key risk indicators, and implementing strategies to manage concentration and default risk.
• Bachelor’s degree in Finance, Economics, Accounting, Business, or a related field; relevant professional certifications (e.g., CFA, FRM, risk management or credit certifications) are an advantage.
• Proven experience in credit or risk management within banking, microfinance, asset management, or related financial services, ideally with exposure to SME and retail lending.
• Strong communication and stakeholder management skills, with the ability to present complex risk issues clearly to non-technical audiences.
• High level of integrity, sound judgment, attention to detail, and the ability to work effectively on-site in a fast-paced environment in Abuja.

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