Credit Risk Analyst

About this role

• We are seeking an analytical and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of Moniepoint’s consumer lending product squads.
• In this role you will bring together credit policy and portfolio management analytics to ensure every product and feature balances rapid growth with robust credit risk controls.
• You will design, monitor, and refine credit policies and decision rules for your squad; oversee portfolio performance and compliance with CBN/MFB and KYC/AML standards; and partner with product, engineering, and operations to build “risk-by-design” products from day one.
• This role requires a rare mix of analytical depth, regulatory understanding, and product instinct - you will be at the centre of how Moniepoint manages risk at scale within your squad.

Responsibilities

• Lead end-to-end risk assessment design for new products and features within your squad
• Develop and maintain credit policies and decision rules aligned with company risk appetite
• Collaborate with the Decision Science team to develop credit scorecards
• Monitor portfolio quality and produce portfolio performance reports
• Partner with Decision Science to develop credit scoring models and monitor their effectiveness
• Identify and mitigate operational, fraud, and process risks in collaboration with wider teams
• Provide risk-based input on pricing, limits, and product design
• Maintain dashboards and analytics for repayment behaviour, cohort trends, and other risk KPIs
• Act as the squad’s liaison to central Compliance/Legal and escalate issues promptly
• Champion a “risk by design” culture by educating squad members on best practices

Experience & Background

• A minimum of 3 years experience in consumer credit portfolio management
• Strong knowledge of regulatory requirements (CBN guidelines, AML/CFT, Data Protection, etc.)
• SQL Essential, Python (NumPy, Pandas etc.) desirable
• Demonstrable experience in Credit Risk management (acquisition optimisation, portfolio management etc.)
• Ability to balance commercial goals with risk appetite
• Excellent communicator - can translate risk concepts for product/engineering
• A good knowledge of financial analysis is an added advantage
• An empathetic, inclusive and curious attitude

What we can offer you

• Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, plus other benefits.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:

What to expect in the hiring process:

• A preliminary phone call with one of our recruiters.
• A technical interview with the Head of Credit Risk
• An interview with a business lead
• A behavioural and technical interview with a member of the executive team. 

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