Credit Risk Analyst

About the role

Moniepoint Inc. is Africa's all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month. As Nigeria's largest merchant acquirer, we power most of the country's point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually. 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.

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
• 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
• 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
• 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
• 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, pension, health insurance, plus other benefits.
• What to expect in the hiring process
• A preliminary phone call with one of our recruiters.
• A panel interview with the member of the team
• An executive interview with the hiring manager

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