Credit Risk Manager

Your tasks

• Develop and implement credit risk policies and strategies tailored to consumer loan products, including salary advances, personal loans, and microloans.
• Oversee the end-to-end credit approval and underwriting processes, ensuring consistent and data-driven decision-making.
• Lead the development and refinement of automated credit scoring models and algorithms to drive risk-based pricing and loan approvals.
• Monitor loan portfolio performance, with a focus on delinquency management, early warning signals, and recovery effectiveness.
• Ensure full compliance with local regulatory requirements (CBN and others) as they pertain to credit risk management.
• Collaborate with the Product, Collections, and Technology teams to design and implement customer-centric risk mitigation strategies.
• Provide leadership to a team of credit risk analysts, underwriters, and loan monitoring officers, ensuring continuous training and professional development.
• Lead periodic stress testing and scenario analysis to evaluate credit portfolio vulnerabilities under different economic conditions.
• Generate and present accurate and actionable credit risk dashboards and reports to executive leadership and board committees.
• Engage with external auditors, regulators, and data bureaus to maintain transparency and enhance risk governance.

Requirements

• HND / BSc Degree in Finance, Economics, Accounting, Statistics, or a related field
• 5+ years of experience in credit risk management within consumer lending, microfinance, or retail banking.
• Proficient in the use of credit scoring tools, data analytics platforms, and portfolio management systems.
• Deep knowledge of consumer lending regulations, responsible lending principles, and risk-based collections.
• Strong leadership and stakeholder management skills with the ability to influence decisions at senior levels.

How to apply

31st July 2025.

Interested and qualified candidates should submit their CV to: jobs@choicetalents.com.ng using job title as the subject of the email.

Other

Location: Abuja Employment Type: Full time