Credit Risk Specialist
AI summary
Sycamore Capital Group is hiring a Credit Risk Specialist in Ikeja, Lagos on a full-time basis. The role involves reviewing loan applications, conducting KYC and due diligence, assessing creditworthiness, monitoring loan portfolios, and preparing credit appraisal reports. Candidates should have experience underwriting consumer or SME loans and strong knowledge of credit assessment and lending principles.
- Full-time role based in Ikeja, Lagos
- Focus on credit underwriting, due diligence, and portfolio monitoring
- Requires experience with consumer and/or SME loan underwriting
- Involves preparing credit appraisal reports and recommendations
- Requires strong knowledge of lending policies and risk management
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, security, internshipThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in IkejaThe vacancy is associated with this location.
- UnclearComfort with the Full-time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Credit Risk Specialist evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Sycamore Capital Group and the role in Ikeja.
- Add concrete examples related to sales, security, internship, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Credit Risk Specialist role in sales, security?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Ikeja under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Sycamore Capital Group before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
Credit Risk Specialist at Sycamore Capital Group ⏲ Aug 21, 2026, 7:00 AM ⋕ View all Banking & Financial Services jobs Sycamore Capital Group was founded with one conviction: that access to quality financial services should not be a privilege. For too long, millions of Africans, hardworking individuals, growing businesses, and ambitious entrepreneurs were underserved by systems not designed with them in mind. Over the years, we have built a diversified financial services group that spans technology-enabled finance, regulated banking, asset and investment management, and international markets. Today, Sycamore serves hundreds of thousands of customers across Africa and beyond - helping them save, borrow, invest, and grow wealth on their own terms. We are recruiting to fill the position below: Job Title: Credit Risk Specialist Location: Ikeja, Lagos Employment Type: Full-time Job Responsibilities: Credit Underwriting: Review and analyse loan applications to determine borrowers' creditworthiness and repayment capacity. Due Diligence & Verification: Conduct thorough KYC and customer verification before recommending credit facilities. Verify employment, business operations, income sources, bank statements, addresses, and other relevant information. Identify discrepancies, suspicious documentation, misrepresentation, and potential fraud indicators. Escalate significant red flags to the appropriate Risk, Compliance, or Management team. Review credit bureau reports and investigate adverse findings or inconsistencies. Credit Policy & Risk Management: Ensure all underwriting decisions comply with SycamoreNG's credit policy and approval framework. Identify policy exceptions and ensure they receive the appropriate approval. Ensure conditions precedent are satisfied before recommending disbursement. Contribute to the review and improvement of underwriting policies, processes, and credit assessment models. Assess concentration, indebtedness, repayment capacity, and other relevant credit risks. Portfolio Monitoring: Monitor the performance of assigned loan portfolios and identify early warning signs of deterioration. Review existing facilities for renewals, restructures, modifications, and additional exposures. Provide insights on emerging credit risks and recurring causes of delinquency. Work with the Risk and Recovery teams to improve portfolio quality. Documentation & Reporting: Ensure credit files are complete, accurate, and properly documented. Support internal audits, compliance reviews, and regulatory examinations. Review loan documentation and facility terms before disbursement. Prepare regular reports on underwriting volumes, approval rates, declines, exceptions, turnaround time, and portfolio performance. Stakeholder Management: Review consumer, SME, and other assigned loan applications based on applicable credit policies. Identify risks and recommend appropriate mitigants, loan structures, conditions, and security requirements. Prepare clear and well-supported credit appraisal reports and recommendations. Work closely with Sales, Relationship Managers, Credit Operations, Recovery, Compliance, Legal, and Finance teams. Approve, decline, or escalate applications within assigned approval limits. Challenge incomplete or weak credit proposals professionally and objectively. Communicate credit decisions and recommendations clearly to relevant stakeholders. Assess applicants' income, cash flow, financial statements, bank statements, credit history, existing obligations, and overall financial position. Maintain independence and sound judgment when making lending decisions. Requirements: Proficiency in Microsoft Excel and relevant credit/lending systems. Proven experience: underwriting consumer and/or SME loans. Strong understanding of credit assessment and lending principles. Strong written and verbal communication skills. Strong understanding of lending policies and risk management principles. Ability to analyse financial statements and bank statements. Strong analytical and numerical skills. High level of integrity and sound independent judgment. Excellent attention to detail. Bachelor's Degree in Finance, Accounting, Economics, Banking, Business Administration, or a related discipline. Experience: in commercial banking, digital lending, or fintech environments is strongly preferred. Good knowledge of KYC, credit bureau checks, fraud detection, and credit documentation. 3–5 years of relevant experience: in credit underwriting, credit analysis, risk management, banking, microfinance, or fintech lending. How to Apply Interested and qualified candidates should send their CV to: hc-recruitment@sycamore.ng using the Job Title as the subject of the email. View all Jobs in Nigeria Lagos State