Credit Risk Portfolio Manager
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Job Summary
CredPal is a leading financial technology company that offers a comprehensive range of financial solutions including credit cards and investment opportunities to empower individuals. Our mission is to revolutionize access to credit and investment enabling individuals to take charge of their financial well-being.
Job Title: Credit Risk Portfolio Manager
Job Type: Full Time
Level: Mid - Senior Level
Purpose Statement
We are seeking an experienced Credit Risk Portfolio Manager to lead the performance quality and growth of CredPals consumer and business credit portfolios.
The role will be responsible for strengthening underwriting and portfolio risk strategies monitoring credit performance identifying emerging risks reducing losses and ensuring that growth remains sustainable and profitable.
The successful candidate will combine strong credit judgment data-driven decision-making and commercial thinking to optimize portfolio performance while supporting CredPals continued expansion across consumer and business lending.
Responsibilities
Credit Portfolio Performance: Own the health and performance of CredPals consumer and business loan portfolios balancing growth approval rates portfolio quality delinquency loss rates and profitability.
Credit Strategy & Underwriting: Develop and continuously refine underwriting frameworks scorecards decision rules credit limits and risk-based pricing strategies across consumer and business lending products.
Business Loan Risk Assessment: Assess business borrowers using financial statements cash flow transaction history repayment capacity industry risk existing obligations management quality and other relevant credit indicators.
Portfolio Monitoring & Early Warning: Establish early-warning indicators to identify deteriorating accounts emerging portfolio risks and adverse trends across both individual and business borrowers.
Risk Segmentation: Use customer business transaction behavioral repayment and alternative data to build dynamic risk segments and differentiated credit strategies.
Fraud Risk Management: Lead fraud prevention strategies across customer onboarding business verification account activity loan applications disbursements and repayments.
Fraud Detection & Analytics: Partner with Data Product and Engineering teams to strengthen fraud-detection rules models alerts and automated controls while minimizing false positives.
Delinquency & Loss Management: Monitor delinquency roll rates defaults restructures and write-offs and work closely with Collections and Recovery teams to reduce credit losses and improve recoveries.
Credit Policy Governance: Own the development review and enforcement of credit policies approval authorities exceptions exposure limits and risk controls across all lending products.
Concentration & Exposure Management: Monitor exposure by customer business sector product tenor geography and other relevant risk categories to prevent excessive concentration.
Credit Decision Optimization: Improve approval quality turnaround time automation and customer experience while maintaining appropriate risk standards.
Risk Analytics & Reporting: Develop portfolio dashboards and management reports covering approval rates vintage performance PAR NPLs defaults recoveries fraud sector exposure and emerging risks.
Stress Testing & Scenario Analysis: Conduct portfolio stress testing and scenario analysis to assess the impact of economic sector and market changes on consumer and business loan performance.
Cross-Functional Risk Management: Work closely with Product Data Engineering Finance Collections Recovery Compliance Sales and Operations to strengthen end-to-end lending performance.
Credit Risk Projects: Lead strategic credit-risk initiatives ensuring clear ownership timelines reporting and execution of key portfolio improvement projects.
Continuous Improvement: Evaluate new data sources underwriting tools automation machine-learning models and industry practices that improve portfolio quality and risk-adjusted returns.
Bachelors degree in Finance Economics Accounting Business Statistics or a related field; a postgraduate degree or relevant professional certification is an advantage.
Minimum of 4 - 6 years of relevant experience in credit risk portfolio management underwriting lending or a related role within banking fintech or financial services.
Strong experience managing consumer and/or business loan portfolios with a good understanding of the different risk dynamics across both segments.
Deep knowledge of credit underwriting portfolio monitoring risk segmentation credit policy delinquency management and portfolio optimization.
Strong understanding of business credit assessment including cash-flow analysis financial statement review repayment capacity sector risk and exposure management.
Proven ability to analyze portfolio performance using key metrics such as approval rates PAR NPLs roll rates vintage performance defaults and credit losses.
Strong proficiency in Excel Power BI and SQL; working knowledge of Python or other analytical tools is an added advantage.
Experience with credit scoring decision models risk analytics and automated lending processes.
Strong analytical problem-solving and critical-thinking skills with the ability to translate data into clear credit decisions and portfolio actions.
Good understanding of fraud risk early-warning indicators stress testing and concentration risk.
Strong knowledge of applicable credit lending consumer protection and regulatory requirements within the Nigerian financial services industry.
Excellent communication and stakeholder-management skills with the ability to work effectively across Product Data Engineering Finance Collections Recovery Sales and Compliance teams.
Highly detail-oriented commercially aware and comfortable working in a fast-paced data-driven environment.
Competitive salary and performance-based incentives.
Hybrid work arrangement with flexibility.
Career growth and professional development opportunities.
Exposure to high-impact consumer and business lending operations.
Opportunity to work with data-driven credit risk and decision technologies.
A collaborative and inclusive work culture that encourages innovation and continuous improvement.
Supportive and approachable leadership committed to your growth and success.
Required Skills:
Bachelors degree in Finance Economics Accounting Business Statistics or a related field; a postgraduate degree or relevant professional certification is an advantage. Minimum of 4 - 6 years of relevant experience in credit risk portfolio management underwriting lending or a related role within banking fintech or financial services. Strong experience managing consumer and/or business loan portfolios with a good understanding of the different risk dynamics across both segments. Deep knowledge of credit underwriting portfolio monitoring risk segmentation credit policy delinquency management and portfolio optimization. Strong understanding of business credit assessment including cash-flow analysis financial statement review repayment capacity sector risk and exposure management. Proven ability to analyze portfolio performance using key metrics such as approval rates PAR NPLs roll rates vintage performance defaults and credit losses. Strong proficiency in Excel Power BI and SQL; working knowledge of Python or other analytical tools is an added advantage. Experience with credit scoring decision models risk analytics and automated lending processes. Strong analytical problem-solving and critical-thinking skills with the ability to translate data into clear credit decisions and portfolio actions. Good understanding of fraud risk early-warning indicators stress testing and concentration risk. Strong knowledge of applicable credit lending consumer protection and regulatory requirements within the Nigerian financial services industry. Excellent communication and stakeholder-management skills with the ability to work effectively across Product Data Engineering Finance Collections Recovery Sales and Compliance teams. Highly detail-oriented commercially aware and comfortable working in a fast-paced data-driven environment.
Required Education:
Bachelors degree in Finance Economics Accounting Business Statistics or a related field; a postgraduate degree or relevant professional certification is an advantage.
