Credit Risk Analyst

Other
Lagos
May 15, 2026
Full Time
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Job Description

About the role

  • The Risk Management Analyst is responsible for analyzing credit and portfolio data, monitoring risk exposures, and supporting data-driven lending decisions across Moniepoint’s ecosystem.
  • The role combines credit risk expertise and data analytics to ensure portfolio quality, regulatory compliance, and sustainable growth.

Key Responsibilities
Portfolio Risk Monitoring:

  • Track and analyze portfolio performance metrics (PAR, NPL, roll rates, recoveries)
  • Monitor delinquency trends (PAR 0, 30, 60, 90, 360)
  • Identify early warning signals (EWS) and emerging risk patterns

Data Analysis & Reporting:

  • Extract, clean, and analyse large datasets from internal and external systems
  • Develop risk dashboards and automated reports
  • Provide daily, weekly, and monthly portfolio insights

Credit Decision Support:
Support underwriting with:

  • Cash flow and behavioral analysis
  • Customer risk profiling
  • Provide data-backed recommendations on loan approvals, limits, and pricing

Risk Modeling & Analytics:
Support development of:

  • Credit scoring models
  • Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)
  • Conduct stress testing and scenario analysis

Portfolio Strategy & Optimization:

  • Segment portfolio by industry, geography, and customer type
  • Recommend risk-based strategies to optimize growth and minimize losses
  • Support collection and recovery strategies using data insights
  • Create model for monitoring e.g. Vintage, Credit Risk Appetite, Atypical
  • credit model, Exceptions model, IS-WAS Model, Transaction Matrix etc

Regulatory & Compliance Support:

  • Support reporting to regulators such as the Central Bank of Nigeria and credit bureau
  • Assist with IFRS 9 Expected Credit Loss (ECL) calculations
  • Ensure alignment with internal policies and risk frameworks

Systems & Process Improvement:

  • Improve data pipelines, reporting efficiency, and risk monitoring tools
  • Collaborate with product, engineering, and credit teams
  • Support automation of risk processes

Key Deliverables:

  • Portfolio risk reports (PAR, NPL, vintage analysis)
  • Risk dashboards and performance trackers
  • Early warning reports
  • Stress testing and scenario outputs
  • Credit decision insights and recommendations

Key Performance Indicators (KPIs)

  • Accuracy and timeliness of reports
  • Portfolio quality improvement (PAR/NPL reduction)
  • Effectiveness of risk insights in decision-making
  • Efficiency gains through automation

 Experience & Qualifications

  • Bachelor’s Degree in Finance, Economics, Statistics, Mathematics, or related field
  •  4 – 5+ years’ experience in credit risk, data analytics, or fintech risk roles
  • Experience in financial services or fintech is an advantage.

Required Tools & Technologies:
Data & Analytics:

  • Microsoft Excel (Advanced)
  • SQL
  • Python (Pandas, NumPy)
  • Visualization & Reporting
  • Power BI
  • Tableau
  • Database & Systems
  • MySQL / PostgreSQL
  • Core banking/loan systems (e.g., Temenos, Finacle)
  • Risk & Statistical Tools
  • SAS / R (optional)

Key Skills & Competencies:
Technical Skills:

  • Strong data analysis and statistical skills
  • SQL and data querying proficiency
  • Dashboard and reporting development
  • Understanding of risk modeling techniques

Risk Knowledge:

  • Credit risk lifecycle and lending processes
  • Risk metrics (PAR, NPL, PD, LGD, EAD)
  • Knowledge of IFRS 9

Soft Skills:

  • Strong analytical thinking
  • Attention to detail
  • Communication and storytelling with data
  • Stakeholder management.

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