Credit Risk Analyst

Who we are

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.

About the role
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.

Key Responsibilities

• 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

• Extract, clean, and analyse large datasets from internal and external systems
• Develop risk dashboards and automated reports
Provide daily, weekly, and monthly portfolio insights

• Support underwriting with:
• Cash flow and behavioral analysis
• Customer risk profiling
• Provide data-backed recommendations on loan approvals, limits, and pricing

• Support development of:
• Credit scoring models
• Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)
Conduct stress testing and scenario analysis

• 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

• 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

• 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