Credit Risk Analyst
AI summary
Nairapoint Finance Limited, a licensed digital fintech platform in Nigeria, is hiring a full-time Credit Risk Analyst based in Ikoyi, Lagos. The role involves evaluating customer creditworthiness, underwriting loan applications across digital and traditional channels, and managing overall loan portfolio risk in line with the company's risk appetite and regulatory guidelines. Key responsibilities include credit assessment, portfolio risk monitoring, and preparing appraisal memos and risk reports for management.
- Full-time role at a licensed Nigerian digital fintech platform
- Based in Ikoyi, Lagos
- Focus on credit assessment, underwriting, and loan portfolio risk management
- Requires credit bureau checks, financial analysis, and credit appraisal memos
- Reports to the Credit Committee and supports regulatory compliance
AI job guide
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AI salary guide
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- 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, retail, internshipThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe 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 Analyst evidence in the first half of your CV.
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Interview preparation
- What experience makes you a strong fit for this Credit Risk Analyst role in sales, retail?
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- Are you available to work in Not specified under the listed contract or schedule?
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Original source description
Credit Risk Analyst at Nairapoint Finance Limited
⏲
Sep 29, 2026, 12:06 PM
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View all Banking & Financial Services jobs
Nairapoint Finance Limited is a licensed digital financial technology platform in Nigeria focused on ethical lending, investment products, and retail wealth management. Officially launched in December 2025 at the Ikoyi Golf Club, Lagos, the platform was established by Nigerian entrepreneur Mrs. Funke Otti alongside Vice Chairman Dr. Mohammed K. Santuraki to deepen financial inclusion for individuals and micro, small, and medium enterprises (MSMEs).
We are recruiting to fill the position below:
Job Title: Credit Risk Analyst
Location: Ikoyi, Lagos
Employment Type: Full-time
Job Purpose
The Credit Risk Analyst is responsible for evaluating customer creditworthiness, underwriting loan applications across digital and traditional channels, and managing overall loan portfolio risk.
The role ensures that all credit decisions align with the Company's risk appetite framework, credit policies, and regulatory guidelines to maintain high portfolio quality.
Duties and Responsibilities
Credit Assessment & Underwriting:
Perform background checks, credit bureau inquiries, bank statement analyses, and qualitative risk assessments prior to facility approval.
Evaluate borrowing requests against credit policy guidelines, risk-appetite metrics, and regulatory standards.
Conduct preliminary and in-depth customer due diligence for lending applications prior to credit approval.
Conduct comprehensive credit risk evaluations and financial analysis for individual, SME, salary-backed, and corporate loan applicants.
Prepare clear, concise credit appraisal memos and present recommendations to the Credit Committee.
Portfolio Risk Monitoring & Analytics:
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Continuously monitor and analyze loan portfolio performance to identify early warning signs of credit deterioration or default.
•
Monitor credit policy performance and propose adjustments to risk acceptance criteria as market conditions evolve.
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Collaborate with business development and sales teams to structure loan facilities appropriately while mitigating potential risk exposure.
•
Track concentration risks across customer segments, industries, and product types.
Documentation & Compliance:
Prepare periodic portfolio health, risk exposure, and impairment/provisioning reports for management review.
Stay abreast of regulatory developments, macroeconomic shifts, and industry best practices in credit risk management.
Collaborate with Legal, Compliance, and Operations teams to ensure complete KYC/AML checks and policy adherence.
Ensure customer and transaction records are complete, accurate, and fully compliant with internal credit policies and regulatory guidelines.
Stakeholder Management & Collaboration:
Engage with external parties such as credit reference bureaus and rating agencies.
Present risk insights, pipeline analyses, and portfolio health metrics to management.
Work closely with Sales, Digital Products, Operations, Legal, and Compliance teams to ensure efficient and timely credit processing.
Person Specification
General Education:
Minimum of Bachelor's degree in Finance, Economics, Accounting, Statistics, or a related discipline.
Experience
Minimum 3–5 years of experience in credit risk analysis, financial analysis, or underwriting within a financial institution or microfinance bank.
Solid understanding of lending dynamics and risk management within the Nigerian financial market.
Knowledge of financial analysis, credit scoring, credit processes, and digital lending platforms.
Professional Qualification:
Not specified.
Key Competencies:
Proactive, self-driven, and adaptable to changing market and regulatory conditions.
High level of integrity, professionalism, and attention to detail.
Strong financial modeling and data analysis capabilities.
Excellent written and verbal communication skills.
Strong business development awareness balanced with rigorous risk control.
Excellent analytical, quantitative, and problem-solving abilities.
How to Apply
Interested and qualified candidates should send their CV to:
hr@nairapoint.ng
using the Job Title as the subject of the email.
Application Deadline:
10th October, 2026.
View all Jobs in Nigeria
Ikoyi and 1 other location
Ikoyi
,
Lagos State
Credit Risk Analyst job vacancies in Nigeria