Risk & Credit Executive

About the role

We are seeking a Risk & Credit Executive to lead credit analysis and risk management initiatives for our loan portfolio. The role involves ensuring compliance with regulatory standards while supporting the bank’s digital lending strategy.

Key responsibilities

• Review and assess loan applications, conduct credit analysis and provide recommendations aligned with credit policies.
• Monitor loan portfolio performance, identify early warning indicators and support collections, recoveries and restructuring.
• Identify, assess and monitor credit, operational and fraud risks, maintaining risk registers and KRIs.
• Ensure compliance with CBN regulations, IFRS 9, AML/CFT requirements and support regulatory examinations and audits.
• Prepare periodic risk and credit reports for senior management.
• Collaborate with Operations, Technology and Product teams to improve digital lending processes and credit decision systems.
• Drive process improvement and automation initiatives to enhance operational efficiency and risk controls.

Required profile

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration or related field.
• 5–7 years of experience in credit analysis, credit administration or risk management within banking, fintech or financial services.
• Proven experience managing loan portfolios and applying enterprise risk management principles.
• Strong knowledge of CBN regulations, IFRS 9, AML/CFT and credit risk frameworks.
• Excellent analytical, problem‑solving and stakeholder management abilities.

Required skills