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Credit Analyst
About this role
Credit Analyst position at OmniRetail Technology, a Lagos-based consumer goods distribution platform. The role focuses on building a scalable credit function while maintaining portfolio quality, including assessing distributor creditworthiness, monitoring portfolio health by vintage, and translating underwriting judgement into the credit-scoring engine.
What you would do
- Assess distributor creditworthiness using bank statements, cash flow, collateral and repayment capacity.
- Monitor portfolio health by vintage, not just the blended NPL figure.
- Identify early warning signals before accounts become delinquent.
- Review limit increases and reactivations with the same rigour as new applications.
- Translate underwriting judgement into the credit-scoring engine.
What they are asking for
- 2-5 years of experience in credit analysis, SME/retail lending or microfinance.
- Strong bank statement and cash flow analysis skills.
- Experience with large transaction datasets; Excel essential and SQL is a plus.
- Ability to say no when numbers do not support the risk and explain why clearly.
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