Credit Risk Analyst

Moniepoint Incorporated is a global business payments and banking platform and recently became QED Investors’ first investment in Africa. We are the partner of choice for over 600,000 businesses of all sizes, powering the dreams of SMBs and providing them with equal access to the tools they need to grow and scale.

We are recruiting to fill the position below:

Job Title: Credit Risk Analyst

Location: Lagos

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.

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.