Credit Risk Portfolio Manager

About the role

CredPal, a financial technology company offering credit cards and investment solutions, is looking for an experienced Credit Risk Portfolio Manager to lead the performance, quality and growth of its consumer and business credit portfolios. The role strengthens underwriting and risk strategies, monitors credit performance, identifies emerging risks and reduces losses while keeping growth sustainable and profitable.

Key responsibilities

• Own the health of consumer and business loan portfolios, balancing growth, approval rates, quality, delinquency, loss rates and profitability.
• Develop and refine underwriting frameworks, scorecards, decision rules, credit limits and risk-based pricing.
• Assess business borrowers using financial statements, cash flow, transaction history, repayment capacity, industry risk and management quality.
• Set up early-warning indicators and use customer, business, transaction, behavioural and alternative data to build risk segments.
• Lead fraud prevention and detection, working with Data, Product and Engineering teams to strengthen rules, models and alerts.
• Monitor delinquency, roll rates, defaults, restructures and write-offs, and work with Collections and Recovery to reduce losses.
• Own credit policies, approval authorities, exposure limits and risk controls, and manage concentration by customer, sector, product, tenor and geography.
• Improve approval quality, turnaround time and automation while maintaining risk standards.
• Build portfolio dashboards and reports, run stress tests and scenario analyses, and lead credit-risk projects.
• Evaluate new data sources, underwriting tools, automation and machine-learning models to improve risk-adjusted returns.

Required profile

• Bachelor's degree in Finance, Economics, Accounting, Business, Statistics or a related field; a postgraduate degree or professional certification is an advantage.
• 4-6 years of experience in credit risk, portfolio management, underwriting or lending in banking, fintech or financial services.
• Proven experience managing consumer and/or business loan portfolios.
• Strong knowledge of credit underwriting, portfolio monitoring, risk segmentation, credit policy, delinquency management and business credit assessment.
• Good understanding of fraud risk, early-warning indicators, stress testing and concentration risk.
• Knowledge of credit, lending, consumer protection and regulatory requirements in Nigeria.

Required skills

• Portfolio metrics: approval rates, PAR, NPLs, roll rates, vintage performance, defaults and credit losses.
• Excel, Power BI and SQL; Python or other analytical tools are an added advantage.
• Experience with credit scoring, decision models, risk analytics and automated lending.

What we offer

• Competitive salary and performance-based incentives.
• Hybrid work arrangement with flexibility.
• Career growth and professional development opportunities.
• Exposure to high-impact consumer and business lending operations.