Credit Admin and Risk Management Lead at Salad Africa (Techstars 22)
Never pay for any CBT, test or assessment as part of any recruitment process. When in doubt, contact us
We offer financial services and benefits that ensure employee wellbeing and inspire them to live better lives, thus creating a more optimized workforce for companies in Africa.
Read more about this company
Credit Admin and Risk Management Lead
- Job Type Full Time
- Qualification BA/BSc/HND , BA/BSc/HND
- Experience 3 years
- Location Lagos
- Job Field Finance / Accounting / Audit
Summary of the Role
- As the Credit Admin and Risk Management Lead at our fast-paced B2B fintech company, you will have a unique opportunity to build and manage our credit risk strategy and operations.
- You will work with stakeholders to develop and implement credit policies, oversee underwriting processes, and ensure the overall quality of our loan portfolios.
- Your expertise will be instrumental in establishing our lending success, maintaining a healthy credit portfolio, and contributing to our growth in the competitive financial technology landscape.
- Develop, implement, and continuously refine credit risk strategies and policies for both B2B and B2B2C lending segments, ensuring a balanced approach between risk and growth objectives.
- Take ownership of credit decision-making, leveraging your experience to assess applicants' financials, credit ratings, and business profiles accurately.
- Collaborate closely with cross-functional teams, including product and finance, to align credit offerings with business objectives and enhance credit scoring models, optimizing decision-making processes, and ensuring regulatory compliance.
- Monitor and manage the ongoing performance of the lending portfolio, proactively identifying trends, risks, and opportunities to maintain a healthy credit portfolio.
- Innovate and implement collection and recovery strategies to minimize delinquency and credit losses, safeguarding the overall health of the portfolio.
- Stay informed about industry trends, market conditions, and regulatory developments, integrating these insights into credit risk strategies and operational processes.
- Work collaboratively with marketing and sales teams to align credit offerings with business objectives, contributing to customer acquisition and retention.
- Provide periodic updates on credit risk performance, portfolio health, and strategic recommendations to executive leadership and stakeholders.
- Bachelor's degree in finance, economics, business, or a related field; MBA or relevant advanced degree is a plus.
- Proven track record of at least 3 years of experience in credit risk management within the fintech or financial services industry, with a strong focus on both B2C and B2B lending.
- Good knowledge of credit risk assessment, underwriting methodologies, and portfolio management practices.
- Experience in developing and implementing credit policies, strategies, and decisioning frameworks.
- Strong self-leadership skills, demonstrating the ability to independently motivate and drive results within a nascent credit department.
- Excellent analytical and problem-solving abilities, with a data-driven approach to decision-making.
- Familiarity with credit scoring models, data analytics, and technology-driven lending platforms.
- Solid knowledge of relevant regulations and compliance requirements within the lending industry.
- Exceptional communication skills, capable of effectively presenting complex information to diverse audiences.
Method of Application
Send an email to email@example.com with the job title as the subject.
Build your CV for free. Download in different templates.