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Job Description
CREDIT RISK MANAGER
Your goal is to build FairMoney as a Tier 1 digital lender in Nigeria and you will be a key Business.
Job Description
- You will be working as Nigeria’s Credit Risk Manager in the Risk department and will be responsible for driving the growth of our portfolio in Nigeria.
- Your mission is to ensure portfolio performance according to the company OKRs, offering the best-tailored credit services to as many clients as possible.
- Your goal is to build FairMoney as a Tier 1 digital lender in Nigeria and you will be a key Business Partner to achieve the same.
- As the Credit Risk Manager for the Nigerian business, you will lead a team that plays a critical role in managing FairMoney’s ability to grow in the market. As such you will be considered as a key stakeholder and contributor in all decisions revolving around the business and product strategies. Job
Responsibilities
- Own the main portfolio metrics – default rates, acceptance rates, and profitability
- Drive the decision of new risk product updates in terms of product offerings and underwriting funnel improvements – Work closely together with the Product and Engineering team on improvements for the lending product
- Build, improve, and maintain the credit risk policy for Nigeria that will allow to growth the portfolio according to company OKRs – Communicate the performance results with the respective stakeholders
- Keep up to date with the company’s lending protocols
- Benchmarking current risk practices against those stipulated within business units
- Implementing the best possible methodologies in improving the credit performance, considering the risk associated, yet offering the prime credit facility
- Own the structuring and hiring of a Risk Analysis and Data Science team as well as their agenda
- Mentoring and coaching talents, scaling up the team as and when required.
Qualification
- 5 to 7 years experience with exposure to Fintech / retail banking credit risk (consumer loans) / NBFCs
- Expert in credit risk analysis/underwriting principles, methods, and practices
- Proficient SQL user, reasonable experience with BI tools like Tableau, PowerBI, or similar
- Strong quantitative analysis experience
- Strong attention to detail and ability to notice discrepancies in data
- Impeccable understanding of financial statements, ratios, and concepts
- Strong communication skills
- Strong people management skills
Location: Lagos, Nigeria.
Apply: Apply here
