Credit Risk Officer
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Job summary
We are looking for an experienced Credit Risk Officer to elevate our credit risk strategy and ensure all lending activities align with company objectives and regulatory standards. This role involves evaluating creditworthiness, managing and mitigating default risks and driving sustainable growth across the loan portfolio.
Min Qualification:
HND
Experience Level:
Entry level
Experience Length:
2 years
Job descriptions & requirements
Responsibilities:
- Develop and implement credit risk policies, frameworks, and assessment models.
- Review and approve loan applications within assigned limits.
- Monitor credit portfolio performance, identify high-risk exposures, and recommend mitigation strategies.
- Ensure compliance with internal policies and Nigerian financial regulations.
- Conduct risk assessments for new loan products and partnerships.
- Prepare credit risk reports and present insights to senior management.
- Work closely with loan recovery and credit officers to minimize default rates.
Requirements:
- Bachelor's degree in Finance, Economics, Accounting, or a related field; professional certifications (e.g., ACA, CFA, CRM) are an added advantage.
- 2+ years' experience in credit risk management, preferably in fintech, banking, or microfinance.
- Strong analytical and financial modeling skills.
- Knowledge of credit risk frameworks, regulatory compliance, and portfolio monitoring tools.
- Excellent communication and leadership skills.
- Ability to attract new competent loan officers.
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