Opportunity at
RenmoneyCredit Policy Analyst
Renmoney, an organization focused on expanding financial inclusion for under-banked consumers and small businesses in Nigeria through loans, savings, and fixed deposits, is seeking a Credit…
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About This Role
Renmoney, an organization focused on expanding financial inclusion for under-banked consumers and small businesses in Nigeria through loans, savings, and fixed deposits, is seeking a Credit Policy Analyst for an on-site position. This role focuses on building, executing, and refining credit rules and underwriting strategies for digital credit offerings such as Credit Cards, Credit Lines, Buy Now Pay Later (BNPL), and Merchant Financing. The professional will partner with cross-functional departments…
Job Description
Renmoney, an organization focused on expanding financial inclusion for under-banked consumers and small businesses in Nigeria through loans, savings, and fixed deposits, is seeking a Credit Policy Analyst for an on-site position. This role focuses on building, executing, and refining credit rules and underwriting strategies for digital credit offerings such as Credit Cards, Credit Lines, Buy Now Pay Later (BNPL), and Merchant Financing. The professional will partner with cross-functional departments including Product, Data Science, Fraud, Technology, Finance, and Operations to balance risk management, portfolio expansion, and customer experience.
The ideal candidate possesses a strong background in consumer lending, credit policy creation, and data analytics within a fintech or banking setting. This position suits someone who enjoys solving complex lending challenges, using data to shape decision-making, and driving the development of innovative financial products. Conversely, individuals who prefer repetitive administrative tasks or are uncomfortable analyzing large datasets will likely find this role unsuitable.
Responsibilities
- Design and establish credit policies, eligibility parameters, pricing strategies, and underwriting limits for new digital lending offerings
- Test, develop, and refine decision rules and scorecards to optimize acquisition quality and portfolio performance
- Simulate credit policies, run scenario analyses, and conduct impact assessments prior to policy deployment
- Monitor active product performance, analyze repayment habits, and recommend adjustments to risk controls and approval strategies
- Build automated dashboards, monitoring reports, and performance metrics for executive reporting
- Execute A/B tests and champion/challenger frameworks to advance credit decisioning
- Ensure all guidelines align with internal governance standards, regulatory mandates, and risk appetite
- Maintain policy documentation and support compliance audits and regulatory evaluations
Requirements
- Possess a Bachelor's degree or Higher National Diploma in Economics, Finance, Mathematics, Statistics, Computer Science, Engineering, Business Administration, or an associated quantitative field
- Demonstrate four to six years of professional background in Credit Policy, Consumer Lending, Credit Risk, Portfolio Analytics, or Lending Strategy
- Bring practical experience in formulating or overseeing credit policies for digital or retail lending portfolios
- Show familiarity with financial institutions, fintechs, banking, or consumer finance sectors
- Exhibit robust analytical capabilities utilizing tools such as Excel, SQL, Python, SAS, or Power BI
- Understand credit bureau information, scorecards, affordability assessments, risk-based pricing, and decision engines
- Possess knowledge regarding portfolio monitoring, IFRS 9, Expected Credit Loss, and performance metrics
Qualifications
- Hold a Master's degree in a related discipline
- Possess a Financial Risk Manager, Chartered Financial Analyst, or equivalent risk management certification
- Hold professional credentials in Consumer Lending or Credit Risk
- Show certifications in Data Analytics, Python, SQL, SAS, or Power BI
- Have prior exposure to supporting the introduction of novel lending products
Core Skills
Benefits
- Shape credit strategies for innovative lending solutions within a fintech environment
- Gain direct exposure to executive leadership, product, risk, engineering, and finance teams
- Access continuous learning channels, career progression paths, and support for professional certifications
- Receive competitive compensation
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the employment type for this position?
The posting specifies that this is a full-time position.
What is the remote work policy for this role?
The source posting explicitly states that the role has an on-site remote status.
What kind of experience is required?
Candidates must have a minimum of 4 to 6 years of experience in credit policy, credit risk, consumer lending, portfolio analytics, or lending strategy.
What salary is offered for this role?
The exact salary is not stated in the job posting, though it mentions competitive compensation.
Sample Interview Questions
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