Credit Risk Analyst

About the role

The Credit Risk Analyst will join Moni​point’s risk management team to analyse credit and portfolio data, monitor risk exposures and support data‑driven lending decisions across the company’s ecosystem. The role blends credit risk expertise with strong data‑analytics capabilities to safeguard portfolio quality, ensure regulatory compliance and drive sustainable growth.

Key responsibilities

• Track and analyse portfolio performance metrics such as PAR, NPL, roll rates and recoveries.
• Monitor delinquency trends (0, 30, 60, 90, 360 days) and identify early‑warning signals.
• Extract, clean and analyse large datasets from internal and external systems; build risk dashboards and automated reports.
• Support underwriting by conducting cash‑flow and behavioural analysis, creating customer risk profiles and providing data‑backed loan recommendations.
• Assist in developing credit scoring models, PD, LGD and EAD calculations, and conduct stress‑testing and scenario analysis.
• Segment the portfolio by industry, geography and customer type to recommend risk‑based growth strategies.
• Prepare regulatory reports for the Central Bank of Nigeria and credit bureaus, and support IFRS 9 ECL calculations.
• Improve data pipelines, reporting efficiency and risk‑monitoring tools through collaboration with product, engineering and credit teams.

Required profile

• Strong analytical mindset with experience in credit risk or financial analytics.
• Proficiency in extracting, cleaning and visualising large data sets.
• Ability to translate quantitative insights into actionable recommendations for underwriting and portfolio strategy.
• Familiarity with regulatory reporting and IFRS 9 concepts is a plus.

Required skills

• Advanced Microsoft Excel
• SQL
• Python (Pandas, NumPy)
• Power BI
• Tableau
• MySQL or PostgreSQL
• Core banking/loan systems (e.g., Temenos, Finacle)
• SAS or R (optional)