Credit Risk Analyst (Recovery Background)

Full job description

About

We are looking for a detail-oriented and highly accountable Credit Risk Officer to serve as a critical control point in our lending process. This role is responsible for reviewing and validating all underwriting decisions made by the first Credit Risk Officer, ensuring only high-quality loans are approved and disbursed.

The ideal candidate will also oversee repayment setup, monitor loan performance, and drive recovery & collections to maintain a healthy loan portfolio.

Responsibilities

Credit Quality Assurance

• Review and validate all underwriting decisions before loan approval
• Ensure accuracy, completeness, and compliance with credit policy
• Identify and flag high-risk or inconsistent applications

Disbursement Readiness

• Confirm that all repayment instruments are properly set up before disbursement (mandates, payment channels, etc)
• Ensure all required documentation and approvals are complete
• Prevent disbursement of incomplete or non-compliant loans

Portfolio Monitoring

• Track all disbursed, and monitor loan repayment behavior
• Proactively identify early signs of delinquency
• Maintain accurate and up-to-date loan records

Account Receivable Management

• Manage outstanding payments across the loan portfolio
• Reconcile repayments and ensure proper allocation
• Maintain visibility on cash flow from repayments

Loan Recovery & Collection

• Drive collections strategy and execution
• Follow up on overdue payments and enforce recovery processes

Qualifications

• 2–4 years of experience in credit risk, recovery, or financial analysis
• Strong understanding of underwriting and credit assessment principles
• Experience with loan recovery, collections, and monitoring
• High attention to detail and strong analytical skills
• Ability to make sound, data-driven decisions under pressure
• Strong sense of ownership and accountability

Benefits

Salary Range N220,000 - N440000

• Health Insurance
• Pension
• Unlimited Paid Leave
• 13th Month Salary
• Performance Based Bonus (Year End) e.t.c.

Pay: ₦228,150.00 - ₦440,000.00 per month

Experience:

• Credit Underwriting: 2 years (Required)
• Recovery and Collection: 2 years (Required)

Work Location: In person