1 месяц назад
Credit Risk Analyst (Fintech)
Вакансия из Hirify Global, списка международных tech-компанийДля мэтча и отклика нужен Plus
Мэтч & Сопровод
Для мэтча с этой вакансией нужен Plus
Описание вакансии
Текст:
TL;DR
Credit Risk Analyst (Fintech): Designing and managing credit policies, decision rules, scorecards, and portfolio analytics for consumer lending products with an accent on credit risk controls, regulatory compliance, and risk-by-design product development. Focus on monitoring repayment behaviour and portfolio quality, balancing commercial goals with risk appetite, and building risk controls with product, engineering, operations, and compliance teams.
Location: Lagos, Nigeria
Company
is a financial services platform for emerging markets providing personal and business banking, payments, credit, and business management tools.
What you will do
- Lead end-to-end credit risk assessment design for new consumer lending products and features.
- Develop and maintain credit policies and decision rules aligned with the company’s risk appetite.
- Collaborate with Decision Science on credit scorecards, scoring models, and effectiveness monitoring.
- Monitor portfolio quality, repayment behaviour, cohort trends, and risk KPIs through reports, dashboards, and analytics.
- Provide risk-based input on pricing, credit limits, product design, and operational and fraud risk mitigation.
- Act as the risk liaison to product, engineering, operations, Compliance, and Legal while promoting risk-by-design practices.
Requirements
- At least 3 years of experience in consumer credit portfolio management.
- Demonstrable experience in credit risk management, including acquisition optimisation and portfolio management.
- Strong knowledge of CBN guidelines, AML/CFT, data protection, and related regulatory requirements.
- Strong SQL skills; Python with NumPy and Pandas is desirable.
- Ability to balance commercial goals with risk appetite and explain risk concepts to product and engineering stakeholders.
- Financial analysis knowledge and an empathetic, inclusive, and curious approach are advantageous.
Culture & Benefits
- People-first culture focused on team member well-being, inclusion, and respect.
- Environment that encourages knowledge sharing, training, and regular internal technical talks.
- Attractive salary and additional benefits.
Hiring process
- Preliminary phone call with a recruiter.
- Technical interview with the Head of Credit Risk, followed by an interview with a business lead.
- Behavioural and technical interview with a member of the executive team.
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