Credit Risk Specialist
AI summary
Sycamore-ng (SISL), a fintech financial marketplace company, is hiring a full-time Credit Risk Specialist in Ikeja, Lagos. The role involves reviewing loan applications, conducting KYC and due diligence, managing credit risk and portfolio monitoring, and preparing credit appraisal reports. Candidates should have strong analytical skills, experience in consumer or SME loan underwriting, and a degree in finance, accounting, economics, banking, or a related field.
- Full-time role in Ikeja, Lagos
- Fintech financial marketplace company
- Focus on credit underwriting and risk management
- Requires consumer or SME loan underwriting experience
- Bachelor's degree in finance, accounting, economics, banking, or related field
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-ng (SISL) 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-ng (SISL) 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-ng (SISL) ⏲ Aug 17, 2026, 11:26 AM ⋕ View all Banking & Financial Services jobs Sycamore-ng is Financial and Technology (Fintech) services company, that operates a financial marketplace for lenders and borrowers. With a team of skilled professionals and cutting edge technology, we are well suited to cater for both businesses and individuals who need loans (borrowers), or want to make returns (lenders) on our marketplace. We are recruiting to fill the position below: Job Title: Credit Risk Specialist Location: Ikeja, Lagos Employment Type: Full-time Job Responsibility Credit Underwriting: Review and analyse loan applications to determine borrowers' creditworthiness and repayment capacity. Due Diligence & Verification: 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. Conduct thorough KYC and customer verification before recommending credit facilities. Verify employment, business operations, income sources, bank statements, addresses, and other relevant information. Credit Policy & Risk Management: Contribute to the review and improvement of underwriting policies, processes, and credit assessment models. Ensure conditions precedent are satisfied before recommending disbursement. Assess concentration, indebtedness, repayment capacity, and other relevant credit risks. Identify policy exceptions and ensure they receive the appropriate approval. Ensure all underwriting decisions comply with SycamoreNG's credit policy and approval framework. Portfolio Monitoring; Provide insights on emerging credit risks and recurring causes of delinquency. Review existing facilities for renewals, restructures, modifications, and additional exposures. Work with the Risk and Recovery teams to improve portfolio quality. Monitor the performance of assigned loan portfolios and identify early warning signs of deterioration. Documentation & Reporting: Support internal audits, compliance reviews, and regulatory examinations. Ensure credit files are complete, accurate, and properly documented. 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: Assess applicants' income, cash flow, financial statements, bank statements, credit history, existing obligations, and overall financial position. Review consumer, SME, and other assigned loan applications based on applicable credit policies. Work closely with Sales, Relationship Managers, Credit Operations, Recovery, Compliance, Legal, and Finance teams. Maintain independence and sound judgment when making lending decisions. Approve, decline, or escalate applications within assigned approval limits. Identify risks and recommend appropriate mitigants, loan structures, conditions, and security requirements. Communicate credit decisions and recommendations clearly to relevant stakeholders. Prepare clear and well-supported credit appraisal reports and recommendations. Challenge incomplete or weak credit proposals professionally and objectively. Requirements: Strong written and verbal communication skills. Good knowledge of KYC, credit bureau checks, fraud detection, and credit documentation. Strong analytical and numerical skills. High level of integrity and sound independent judgment. Proven experience: underwriting consumer and/or SME loans. Ability to analyse financial statements and bank statements. Excellent attention to detail. Bachelor's Degree in Finance, Accounting, Economics, Banking, Business Administration, or a related discipline. Strong understanding of lending policies and risk management principles. Experience: in commercial banking, digital lending, or fintech environments is strongly preferred. Strong understanding of credit assessment and lending principles. 3–5 years of relevant experience: in credit underwriting, credit analysis, risk management, banking, microfinance, or fintech lending. Proficiency in Microsoft Excel and relevant credit/lending systems. How to Apply Interested and qualified candidates should send their CV to: [email protected] using the Job Title as the subject of the mail. Application Deadline: 31st August, 2026. View all Jobs in Nigeria Lagos State and 1 other location Lagos State , Ikeja