Credit Policy Analyst

About the role

We are a passionate fintech team focused on expanding financial inclusion for under‑banked individuals and small businesses in Nigeria. The Credit Policy Analyst will design, implement and continuously improve credit policies and underwriting strategies for a range of digital lending products.

Key responsibilities

• Design and develop credit policies for new products such as credit cards, credit lines, BNPL, merchant financing and other digital solutions.
• Define eligibility criteria, underwriting standards, credit limits, pricing strategies and approval rules.
• Develop, test and optimise decision rules, scorecards and policy frameworks to enhance portfolio quality and acquisition.
• Monitor product performance, conduct simulations and scenario analyses, and recommend policy enhancements.
• Collaborate with product, data science, fraud, engineering, collections and finance teams throughout the product lifecycle.
• Analyse customer behaviour, repayment trends and profitability to support policy improvements.
• Create automated dashboards, monitoring reports and performance metrics for management.
• Ensure compliance with regulatory requirements, internal governance and the bank’s risk appetite.

Required profile

• Strong expertise in credit policy development and consumer lending.
• Experience in data‑driven decision making within a fast‑paced banking or fintech environment.
• Ability to work collaboratively with cross‑functional teams including product, data science, fraud, engineering, collections and finance.

Required skills