Credit Policy Analyst

About the role

Renmoney is seeking a Credit Policy Analyst to design, implement and continuously improve credit policies for new digital lending products. You will work closely with Credit Risk, Product, Data Science, Fraud, Technology, Finance and Operations teams to ensure robust credit decisioning frameworks that balance growth, customer experience, profitability and risk.

Key responsibilities

• Design and develop credit policies for 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 credit decision rules, scorecards and policy frameworks.
• Monitor product performance, conduct policy simulations and scenario analysis, and recommend enhancements.
• Collaborate across product, data, fraud, engineering, collections and finance throughout the product lifecycle.
• Analyse customer behaviour, repayment trends and portfolio 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

• Mid‑level professional with at least 4 years of experience in credit policy development, consumer lending or fintech.
• Strong analytical mindset with a data‑driven approach to decision making.
• Proven ability to work in fast‑paced environments and collaborate with cross‑functional teams.
• Excellent communication skills to convey policy changes and insights.

Required skills

• Credit policy design and underwriting.
• Portfolio analytics and performance monitoring.
• Scenario analysis and policy simulation.
• Dashboard creation and reporting.

What we offer

• Opportunity to shape innovative digital credit products in a leading Nigerian fintech.
• Collaborative and mission‑driven work environment.
• Competitive compensation and benefits package.