Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, or related field

Master’s degree (MBA, MSc) is an advantage

Professional Certifications (Preferred)

ACA, ACCA, FRM, PRM, or equivalent

Experience

Minimum of 8–10 years experience in credit risk, lending, or risk management within banking, fintech, or financial services

Proven experience managing credit risk portfolios, preferably in digital or SME lending

Prior experience in a leadership or senior risk role is required

Credit Risk Strategy & Governance

Develop and implement the Bank’s Credit Risk Strategy in line with Moniepoint’s risk appetite, business objectives, and CBN Prudential Guidelines.

Provide leadership oversight of credit risk management

Ensure credit risk considerations are embedded in product design, pricing, underwriting, and portfolio growth strategies.

Serve as a key advisor to Executive Management and the Board on credit risk exposures, trends, and emerging risks.

Support the Board Finance, Audit and Risk Committee (FARCo) with regular credit risk reports and insights.

Stay abreast of fintech and digital lending trends impacting credit risk management.

Credit Policy & Underwriting Framework

Develop, review, and maintain the Bank’s Credit Risk Policies, underwriting standards, and approval authorities.

Ensure all lending activities comply with approved credit policies, regulatory requirements, and internal risk standards.

Oversee credit scoring models, decision engines, and manual underwriting processes for digital and non-digital loans.

Ensure appropriate segregation of duties between origination, approval, and disbursement processes.

Periodically review lending limits, sectoral exposures, and concentration risks, to ensure compliance with credit policies and risk appetite\

Oversee the use of data, analytics, and alternative data sources to enhance credit decisioning.

Ensure credit risk controls are embedded within digital platforms, APIs, and automated workflows.

Review and validate changes to credit models, decision rules, and lending systems

Portfolio Monitoring & Asset Quality Management

Monitor credit portfolio performance across products, channels, and customer segments.

Track key portfolio metrics including delinquency ratios, non-performing loans (NPLs), roll rates, vintage analysis, and write-offs.

Identify early warning signals and emerging credit risks, recommending timely corrective actions.

Oversee remedial management strategies, restructuring, recoveries, and collections escalation frameworks.

Ensure adequacy of loan loss provisioning in line with regulatory and accounting standards.