About the 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.
Key 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
Requirements
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.