Job Summary

This is a unique opportunity to come in at the ground floor of a well-funded seed-stage start-up. This will be the first full-time risk hire. We are looking for a senior leader who is willing to put the effort into building a category-defining financial product from the grounds up in a fast-paced environment with very talented peers. Risk makes or breaks great Fintech companies. We are strongly committed to using our underwriting and risk capabilities as a source of long-term competitive advantage and are looking for a world-class Risk leader to join our team to own the function end-to-end.

  • Minimum Qualification: Degree
  • Experience Level: Senior level
  • Experience Length: 7 years

Job Description/Requirements


1. Help to continuously redefine and increase sophistication and automation of underwriting processes. Use underwriting as a gate-keeping mechanism to manage asset-level risk: 

  • Developing credit policy and ensuring it is in sync with origination efforts and capital markets requirements; ensuring that one-off approvals are conducted smoothly
  • Continuously improve and automate underwriting processes
  • Streamline the process of underwriting and risk assessment across various products and markets
  • Collaborate with Data team to create new predictive credit risk models
  • Definition and monitoring of risk triggers at the individual asset level
  • Credit underwriting using cash flow (banking) data 

2. To help define and manage portfolio-level risk in the context of internal and external risk appetite: 

  • Measurement and monitoring of specific risk exposures 
  • Definition of processes for risk segmentation, prevention, and loss mitigation
  • Definition of risk triggers at the portfolio level
  • Stress testing at the portfolio level 

3. To help define and manage balance sheet-related risk exposure: 

  • Stress testing balance of sheet level in terms of increasingly varied sources and uses of capital 
  • Maturity matching and stress testing of sudden changes in the availability of capital with a given maturity
  • Working closely with investment bank and finance teams to prevent maturity surprises 

4. Risk is a critical stakeholder in decision making across the organization. We want you to ensure risk perspectives are heard, evaluated and implemented across our organization: 

  • Work closely with sales teams to pre-qualify leads so as to prevent risk further down the funnel 
  • Collaborate with Product teams to identify sources of risk as well as define and implement client-facing risk messaging
  • Collaborate with the Legal team to make sure we comply with risk regulation
  • Provide high visibility of the Head of Risk function for creditors and other external parties 
  • Act as credit risk PMO to ensure prioritization and timely execution of key projects
  • Ensure exhaustive and timely reporting of all things Risk internally by providing analytical/modelling solutions
  • Work with an investment bank to benchmark risk and pricing vs competitive products in the market 


We're looking for someone with the right product mindset and the potential for exceptional work. You either have a remarkable track record or hunger for big things. You're not afraid of moving fast and working with ambiguity. These are some requirements we expect: 

  • 7+ years of experience across Risk, Credit, Underwriting teams in leading financial services and Fintech institutions 
  • Strong knowledge of risk modelling and related data science
  • Formal data science education and trade finance experience is a bonus 

You might be a good fit if you: 

  • Are a self-starter, take initiative, self-manage and require little day-to-day direction to be successful 
  • High level of ownership and curiosity
  • Enjoy working in fast-paced and quick changing environment
  • Take responsibility for the outcomes of your core duties
  • Have experience in financial services

What's on offer 

Be instrumental in the future success of one of the fastest-growing fintech on the continent Our office is in Lagos. You will be a hire in a critical part of the business and we will compensate accordingly with a competitive package.

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