Credit Risk Portfolio Manager
AI summary
CredPal is hiring an experienced Credit Risk Portfolio Manager in Lagos to lead the performance, quality, and growth of its consumer and business credit portfolios. The role focuses on underwriting strategy, portfolio monitoring, credit policy governance, and stress testing to support sustainable lending growth.
- Senior credit risk role covering consumer and business lending portfolios
- Focus on underwriting frameworks, scorecards, and risk-based pricing
- Includes portfolio monitoring, early warning, and stress testing
- Full-time position based in Lagos
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, finance, credit riskThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in LagosThe 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 Portfolio Manager evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to CredPal and the role in Lagos.
- Add concrete examples related to sales, finance, credit risk, 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 Portfolio Manager role in sales, finance?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Lagos under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research CredPal 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
Job Title: Credit Risk Portfolio Manager
Job Type: Full time
Credit Risk Portfolio Manager at CredPal
⏲
Sep 21, 2026, 1:09 PM
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View all Banking & Financial Services jobs
Credpal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific goals over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure, while also increasing their purchasing capabilities.
We are recruiting to fill the position below:
Location: : Lagos
Purpose Statement
We are seeking an experienced Credit Risk Portfolio Manager to lead the performance, quality, and growth of CredPal’s consumer and business credit portfolios.
The successful candidate will combine strong credit judgment, data-driven decision-making, and commercial thinking to optimize portfolio performance while supporting CredPal’s continued expansion across consumer and business lending.
The role will be responsible for strengthening underwriting and portfolio risk strategies, monitoring credit performance, identifying emerging risks, reducing losses, and ensuring that growth remains sustainable and profitable.
Responsibilities
- Portfolio Monitoring & Early Warning: Establish early-warning indicators to identify deteriorating accounts, emerging portfolio risks, and adverse trends across both individual and business borrowers.
- Credit Policy Governance: Own the development, review, and enforcement of credit policies, approval authorities, exceptions, exposure limits, and risk controls across all lending products.
- Credit Strategy & Underwriting: Develop and continuously refine underwriting frameworks, scorecards, decision rules, credit limits, and risk-based pricing strategies across consumer and business lending products.
- Credit Decision Optimization: Improve approval quality, turnaround time, automation, and customer
Experience
while maintaining appropriate risk standards.
Stress Testing & Scenario Analysis: Conduct portfolio stress testing and scenario analysis to assess the impact of economic, sector, and market changes on consumer and business loan performance.
Credit Portfolio Performance: Own the health and performance of CredPal’s consumer and business loan portfolios, balancing growth, approval rates, portfolio quality, delinquency, loss rates, and profitability.
Business Loan Risk Assessment: Assess business borrowers using financial statements, cash flow, transaction history, repayment capacity, industry risk, existing obligations, management quality, and other relevant credit indicators.
Credit Risk Projects: Lead strategic credit-risk initiatives, ensuring clear ownership, timelines, reporting, and execution of key portfolio improvement projects.
Fraud Detection & Analytics: Partner with Data, Product, and Engineering teams to strengthen fraud-detection rules, models, alerts, and automated controls while minimizing false positives.
Continuous Improvement: Evaluate new data sources, underwriting tools, automation, machine-learning models, and industry practices that improve portfolio quality and risk-adjusted returns.
Risk Segmentation: Use customer, business, transaction, behavioral, repayment, and alternative data to build dynamic risk segments and differentiated credit strategies.
Delinquency & Loss Management: Monitor delinquency, roll rates, defaults, restructures, and write-offs, and work closely with Collections and Recovery teams to reduce credit losses and improve recoveries.
Concentration & Exposure Management: Monitor exposure by customer, business, sector, product, tenor, geography, and other relevant risk categories to prevent excessive concentration.
Risk Analytics & Reporting: Develop portfolio dashboards and management reports covering approval rates, vintage performance, PAR, NPLs, defaults, recoveries, fraud, sector exposure, and emerging risks.
Fraud Risk Management: Lead fraud prevention strategies across customer onboarding, business verification, account activity, loan applications, disbursements, and repayments.
Cross-Functional Risk Management: Work closely with Product, Data, Engineering, Finance, Collections, Recovery, Compliance, Sales, and Operations to strengthen end-to-end lending performance.
with credit scoring, decision models, risk analytics, and automated lending processes.
Strong understanding of business credit assessment, including cash-flow analysis, financial statement review, repayment capacity, sector risk, and exposure management.
Minimum of 4 - 6 years of relevant
in credit risk, portfolio management, underwriting, lending, or a related role within banking, fintech, or financial services.
Strong proficiency in Excel, Power BI, and SQL; working knowledge of Python or other analytical tools is an added advantage.
Strong
managing consumer and/or business loan portfolios, with a good understanding of the different risk dynamics across both segments.
How to Apply
Interested and qualified candidates should:
Click here to apply online
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Lagos State
Requirements
- Bachelor’s Degree in Finance, Economics, Accounting, Business, Statistics, or a related field; a postgraduate degree or relevant professional certification is an advantage.
- Strong analytical, problem-solving, and critical-thinking skills, with the ability to translate data into clear credit decisions and portfolio actions.
- Proven ability to analyze portfolio performance using key metrics such as approval rates, PAR, NPLs, roll rates, vintage performance, defaults, and credit losses.
- Good understanding of fraud risk, early-warning indicators, stress testing, and concentration risk.
- Highly detail-oriented, commercially aware, and comfortable working in a fast-paced, data-driven environment.
- Deep knowledge of credit underwriting, portfolio monitoring, risk segmentation, credit policy, delinquency management, and portfolio optimization.
- Strong knowledge of applicable credit, lending, consumer protection, and regulatory
- within the Nigerian financial services industry.
- Excellent communication and stakeholder-management skills, with the ability to work effectively across Product, Data, Engineering, Finance, Collections, Recovery, Sales, and Compliance teams.