Head of Credit Risk (MFB/Fintech)
- Lagos, Lagos State
- Permanent
- Full-time
- Minimum of 5 years post-qualification experience in credit, risk management, or lending.
- At least 2 years in a managerial or supervisory role in a financial institution (preferably in microfinance, commercial banking, or digital lending).
- Proven experience in credit risk assessment, policy formulation, and portfolio management.
- Bachelor's degree (required); a Master's degree or professional certification (e.g., CIBN, ICAN, ACCA, CRMP, PRM, or CFA) is an added advantage.
- In-depth understanding of CBN guidelines, internal control frameworks, AML, KYC, and risk management practices.
- Strong leadership, communication, and interpersonal skills.
- Excellent analytical, problem-solving, and decision-making capabilities.
- Strong analytical, risk modeling, and decision-making skills.
- Experience designing and refining credit products for SMEs or individuals.
- Familiarity with credit bureau APIs, digital KYC tools, and loan management systems.
- Comfortable working in a fast-paced, tech-enabled environment.
- Develop and enforce a credit risk management framework aligned with CBN guidelines.
- Define credit policies, approval limits, risk appetite, and credit scoring rules.
- Maintain credit product documentation and ensure compliance with internal policies and regulatory requirements.
- Monitor key metrics (e.g., PAR, NPL ratios, write-offs) and proactively address emerging risks.
- Design early warning systems and stress-testing tools.
- Generate internal and external (e.g., CBN) risk reports and dashboards.
- Collaborate with Product, Tech, and Data teams to embed risk controls into loan origination and disbursement flows.
- Drive automation in credit scoring and decision-making, using credit bureau and behavioral data.
- Design collections framework for pre-delinquency, early and late-stage arrears.
- Oversee recovery actions, including restructuring, write-offs, and legal escalation.
- Build, lead, and mentor the credit operations team.
- Train credit officers on underwriting, monitoring, and collections best practices.
- Competitive salary and compensation package
- Full medical coverage
- Fully covered parental leave
- Leadership in a growing financial institution
- Smart, kind colleagues who're invested in your growth