Opportunity at
MoniepointCredit Risk Analyst
Moniepoint seeks a Credit Risk Analyst to act as the embedded risk owner for a consumer lending product squad. Operating as an all-in-one financial ecosystem for…
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About This Role
Moniepoint seeks a Credit Risk Analyst to act as the embedded risk owner for a consumer lending product squad. Operating as an all-in-one financial ecosystem for emerging markets, Moniepoint delivers personal and business banking, payment systems, credit solutions, and management tools, having processed billions in transactions while powering millions of users. This position suits an analytical professional capable of blending portfolio management analytics with credit policy execution. The selected candidate…
Job Description
Moniepoint seeks a Credit Risk Analyst to act as the embedded risk owner for a consumer lending product squad. Operating as an all-in-one financial ecosystem for emerging markets, Moniepoint delivers personal and business banking, payment systems, credit solutions, and management tools, having processed billions in transactions while powering millions of users.
This position suits an analytical professional capable of blending portfolio management analytics with credit policy execution. The selected candidate will ensure that upcoming features and products maintain a careful equilibrium between rapid expansion and strict credit risk safeguards. Working alongside product, engineering, and operations teams, the analyst will guide risk-by-design initiatives from inception onward.
Daily responsibilities center on crafting decision rules, monitoring portfolio performance, and collaborating closely with decision science teams. The person in this role will also liaise with central compliance and legal departments while promoting risk awareness across the squad. This opportunity demands a strong background in consumer credit, regulatory familiarity, and effective communication skills to translate complex risk metrics for engineering and product partners.
Responsibilities
- Design end-to-end risk assessments for new product features within the squad
- Establish and maintain decision rules and credit policies that fit company risk tolerance
- Work alongside the Decision Science team to build credit scorecards and models
- Track portfolio quality and generate performance reports
- Spot and reduce operational, process, and fraud risks with wider teams
- Contribute risk perspectives regarding product design, pricing, and limits
- Maintain analytics dashboards tracking repayment patterns, risk KPIs, and cohort trends
- Serve as the primary liaison between the squad and central legal or compliance groups
- Promote risk awareness and best practices among squad members
Requirements
- At least 3 years of background in consumer credit portfolio management
- Familiarity with regulatory standards including AML/CFT, CBN guidelines, and Data Protection
- Proficiency in SQL as an essential skill
- Practical background in credit risk management tasks such as acquisition optimization and portfolio management
- Capacity to align commercial objectives with established risk appetite
- Communication skills sufficient for explaining risk concepts to engineers and product managers
Qualifications
- Familiarity with Python including Pandas and NumPy
- Understanding of financial analysis principles
Core Skills
Benefits
- Environment centered on learning, knowledge sharing, training, and internal technical talks
- Attractive financial compensation package accompanied by additional benefits
- Culture emphasizing employee well-being, mutual respect, and collaborative growth
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the location and remote status for the Credit Risk Analyst role?
The specific location is not stated in the job posting, and the remote status is listed as on-site.
What experience level is required for this position?
Candidates must have a minimum of 3 years of experience in consumer credit portfolio management.
What technical skills are needed to apply?
SQL is essential for the role, while Python familiarity with libraries such as Pandas and NumPy is considered desirable.
What is the hiring process like?
The hiring process includes a preliminary recruiter phone call, a technical interview with the Head of Credit Risk, a business lead interview, and a combined technical and behavioural interview with an executive team member.
Is the salary specified in the posting?
The specific salary amount is not stated in the job posting.
Sample Interview Questions
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