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About the role
- Credit Risk Analyst assessing creditworthiness and developing risk mitigation strategies for FairMoney's lending operations in Nigeria. Collaborating with various teams to ensure compliance and effective risk management strategies.
Responsibilities
- Analyze credit data, financial statements, and other relevant information to assess the creditworthiness of customers.
- Develop credit risk models to evaluate potential risks and exposures for various credit products.
- Conduct detailed analysis of industry trends, economic data, and company performance to evaluate overall risk.
- Review and interpret financial statements including income statements, balance sheets, and cash flow statements to determine borrower strength.
- Calculate financial ratios and compare them to industry standards to assess credit risk.
- Monitor the credit portfolio for early signs of potential credit risks and provide timely reports to senior management.
- Prepare regular reports on credit risk exposure, loan performance, and other relevant metrics.
- Identify trends and recommend risk mitigation strategies to reduce the potential for default or losses.
- Ensure all credit risk assessments are conducted in line with company policies, regulatory requirements, and industry best practices.
- Support the implementation of risk policies and procedures that govern the company’s credit activities.
- Assist in developing and maintaining credit scoring models to improve risk prediction.
- Conduct scenario analysis and stress testing to assess the impact of various factors on credit risk exposure.
- Provide insights and recommendations to support decision-making on credit approvals, limits, and loan structures.
- Collaborate with business teams to structure loans that align with the company’s risk appetite and objectives.
- Work closely with the sales, finance, and legal teams to ensure a comprehensive approach to risk management.
- Liaise with external parties such as auditors and regulatory bodies as required.
Requirements
- Bachelor's degree in Finance, Economics, Accounting, Business, or a related field.
- Professional certifications (e.g., MBA, CFA, FRM, etc) are an added advantage.
- A minimum of 2 years of experience in credit risk analysis, financial analysis, or a similar role within banking, financial services, or corporate finance.
- Proficiency in financial analysis software, risk modelling tools, Excel, SQL, reasonable experience with BI tools like Tableau, PowerBI, or similar.
- Strong quantitative analysis experience
- Strong attention to detail and ability to notice discrepancies in data
- Impeccable understanding of financial statements, ratios, and concepts
- Strong communication skills
- ** Skills and Competencies:**
- Strong understanding of financial analysis and risk assessment techniques.
- Knowledge of credit risk principles, regulatory guidelines, and best practices.
- Proficiency in financial modelling, credit scoring, and risk measurement tools.
- Attention to detail and analytical thinking with the ability to interpret complex financial data.
- Excellent communication and report-writing skills.
- Ability to work independently and within a team.
Benefits
- Private Health Insurance
- Pension Plan
- Training & Development
- Hybrid work
- Paid Time Off
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Tech skills
Location requirements
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