Credit Risk Analyst

About this role

• We are seeking an analytical and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of Moniepoint’s consumer lending product squads.
• In this role you will bring together credit policy and portfolio management analytics to ensure every product and feature balances rapid growth with robust credit risk controls.
• You will design, monitor, and refine credit policies and decision rules for your squad; oversee portfolio performance and compliance with CBN/MFB and KYC/AML standards; and partner with product, engineering, and operations to build “risk-by-design” products from day one.
• This role requires a rare mix of analytical depth, regulatory understanding, and product instinct - you will be at the centre of how Moniepoint manages risk at scale within your squad.

Responsibilities

• Lead end-to-end risk assessment design for new products and features within your squad
• Develop and maintain credit policies and decision rules aligned with company risk appetite
• Collaborate with the Decision Science team to develop credit scorecards
• Monitor portfolio quality and produce portfolio performance reports
• Partner with Decision Science to develop credit scoring models and monitor their effectiveness
• Identify and mitigate operational, fraud, and process risks in collaboration with wider teams
• Provide risk-based input on pricing, limits, and product design
• Maintain dashboards and analytics for repayment behaviour, cohort trends, and other risk KPIs
• Act as the squad’s liaison to central Compliance/Legal and escalate issues promptly
• Champion a “risk by design” culture by educating squad members on best practices

Experience & Background

• A minimum of 3 years experience in consumer credit portfolio management
• Strong knowledge of regulatory requirements CBN guidelines, AML/CFT, Data Protection, etc.
• SQL Essential, Python NumPy, Pandas etc. desirable
• Demonstrable experience in Credit Risk management acquisition optimisation, portfolio management etc.
• Ability to balance commercial goals with risk appetite
• Excellent communicator - can translate risk concepts for product/engineering
• A good knowledge of financial analysis is an added advantage
• An empathetic, inclusive and curious attitude.