Credit Risk Analyst

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.

Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria.

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.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

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

What we can offer you

Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.

Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.

Compensation - You’ll receive an attractive salary, plus other benefits.

What to expect in the hiring process

A preliminary phone call with one of our recruiters.

A technical interview with the Head of Credit Risk

An interview with a business lead

A behavioural and technical interview with a member of the executive team.

Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.