Credit Risk Analyst

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

Requirements

• 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

Benefits

• 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.