Credit Risk Portfolio Manager

Purpose Statement

• We are seeking an experienced Credit Risk Portfolio Manager to lead the performance, quality, and growth of CredPal’s consumer and business credit portfolios.
• The role will be responsible for strengthening underwriting and portfolio risk strategies, monitoring credit performance, identifying emerging risks, reducing losses, and ensuring that growth remains sustainable and profitable.
• The successful candidate will combine strong credit judgment, data-driven decision-making, and commercial thinking to optimize portfolio performance while supporting CredPal’s continued expansion across consumer and business lending.

Responsibilities

• Credit Portfolio Performance: Own the health and performance of CredPal’s consumer and business loan portfolios, balancing growth, approval rates, portfolio quality, delinquency, loss rates, and profitability.
• Credit Strategy & Underwriting: Develop and continuously refine underwriting frameworks, scorecards, decision rules, credit limits, and risk-based pricing strategies across consumer and business lending products.
• Business Loan Risk Assessment: Assess business borrowers using financial statements, cash flow, transaction history, repayment capacity, industry risk, existing obligations, management quality, and other relevant credit indicators.
• Portfolio Monitoring & Early Warning: Establish early-warning indicators to identify deteriorating accounts, emerging portfolio risks, and adverse trends across both individual and business borrowers.
• Risk Segmentation: Use customer, business, transaction, behavioral, repayment, and alternative data to build dynamic risk segments and differentiated credit strategies.
• Fraud Risk Management: Lead fraud prevention strategies across customer onboarding, business verification, account activity, loan applications, disbursements, and repayments.
• Fraud Detection & Analytics: Partner with Data, Product, and Engineering teams to strengthen fraud-detection rules, models, alerts, and automated controls while minimizing false positives.
• Delinquency & Loss Management: Monitor delinquency, roll rates, defaults, restructures, and write-offs, and work closely with Collections and Recovery teams to reduce credit losses and improve recoveries.
• Credit Policy Governance: Own the development, review, and enforcement of credit policies, approval authorities, exceptions, exposure limits, and risk controls across all lending products.
• Concentration & Exposure Management: Monitor exposure by customer, business, sector, product, tenor, geography, and other relevant risk categories to prevent excessive concentration.
• Credit Decision Optimization: Improve approval quality, turnaround time, automation, and customer experience while maintaining appropriate risk standards.
• Risk Analytics & Reporting: Develop portfolio dashboards and management reports covering approval rates, vintage performance, PAR, NPLs, defaults, recoveries, fraud, sector exposure, and emerging risks.
• Stress Testing & Scenario Analysis: Conduct portfolio stress testing and scenario analysis to assess the impact of economic, sector, and market changes on consumer and business loan performance.
• Cross-Functional Risk Management: Work closely with Product, Data, Engineering, Finance, Collections, Recovery, Compliance, Sales, and Operations to strengthen end-to-end lending performance.
• Credit Risk Projects: Lead strategic credit-risk initiatives, ensuring clear ownership, timelines, reporting, and execution of key portfolio improvement projects.
• Continuous Improvement: Evaluate new data sources, underwriting tools, automation, machine-learning models, and industry practices that improve portfolio quality and risk-adjusted returns.

Requirements

• Bachelor’s Degree in Finance, Economics, Accounting, Business, Statistics, or a related field; a postgraduate degree or relevant professional certification is an advantage.
• Minimum of 4 - 6 years of relevant experience in credit risk, portfolio management, underwriting, lending, or a related role within banking, fintech, or financial services.
• Strong experience managing consumer and/or business loan portfolios, with a good understanding of the different risk dynamics across both segments.
• Deep knowledge of credit underwriting, portfolio monitoring, risk segmentation, credit policy, delinquency management, and portfolio optimization.
• Strong understanding of business credit assessment, including cash-flow analysis, financial statement review, repayment capacity, sector risk, and exposure management.
• Proven ability to analyze portfolio performance using key metrics such as approval rates, PAR, NPLs, roll rates, vintage performance, defaults, and credit losses.
• Strong proficiency in Excel, Power BI, and SQL; working knowledge of Python or other analytical tools is an added advantage.
• Experience with credit scoring, decision models, risk analytics, and automated lending processes.
• Strong analytical, problem-solving, and critical-thinking skills, with the ability to translate data into clear credit decisions and portfolio actions.
• Good understanding of fraud risk, early-warning indicators, stress testing, and concentration risk.
• Strong knowledge of applicable credit, lending, consumer protection, and regulatory requirements within the Nigerian financial services industry.
• Excellent communication and stakeholder-management skills, with the ability to work effectively across Product, Data, Engineering, Finance, Collections, Recovery, Sales, and Compliance teams.
• Highly detail-oriented, commercially aware, and comfortable working in a fast-paced, data-driven environment.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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