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Credit Risk Manager

Closing: Jun 11, 2024

This position has expired

Published: May 27, 2024 (22 days ago)

Job Requirements

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Job Summary

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Requirements
  • 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
Responsibilities
Requirements
  • 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

About the Role

  • You will be working as our 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 OKR's, 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 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.

Duties

  • 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 grow 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.

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