Lead, Corporate Credit Risk Management

About the role

The Lead, Corporate Credit Risk Management will design, implement and oversee MoniPoint’s credit risk framework across retail, SME and digital lending products. Reporting to senior executives, the role provides strategic direction, independent challenge and ensures compliance with regulatory standards.

Key responsibilities

• Develop and execute the credit risk strategy in line with the company’s risk appetite, business objectives and CBN Prudential Guidelines.
• Provide leadership oversight of credit risk management and embed risk considerations into product design, pricing, underwriting and portfolio growth.
• Advise Executive Management and the Board on credit risk exposures, trends and emerging risks.
• Support the Board Finance, Audit and Risk Committee with regular risk reports and insights.
• Maintain and update credit risk policies, underwriting standards and approval authorities.
• Oversee credit scoring models, decision engines and manual underwriting processes for both digital and non‑digital loans.
• Ensure segregation of duties across origination, approval and disbursement and monitor lending limits, sector exposures and concentration risks.
• Leverage data, analytics and alternative data sources to enhance credit decisioning and embed controls within digital platforms, APIs and automated workflows.

Required profile

• Proven experience in credit risk management within a financial institution or fintech.
• Strong understanding of regulatory requirements, especially CBN Prudential Guidelines.
• Ability to provide strategic advice to senior leadership and board committees.
• Track record of developing and maintaining credit policies and underwriting frameworks.
• Up‑to‑date knowledge of fintech and digital lending trends affecting credit risk.

Required skills