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Credit Risk Manager
About this role
The role leads the credit underwriting function for SME loans, ensuring decisions align with credit policies and risk appetite. It involves managing the underwriting team, assessing complex credit proposals, and working with Risk, Verification, and Collections to minimise credit losses while enabling growth. Based in Lagos for PalmPay, targeting professionals with experience in credit underwriting and SME lending.
What you would do
- Lead and supervise the Credit Underwriting team
- Review and approve SME loan applications per policy and risk framework
- Assess complex credit proposals, financial statements, cash flow, and business performance
- Monitor portfolio quality and identify emerging credit risks
- Collaborate with Field Verification, Collections, Sales, and Risk teams to reduce defaults
- Develop and implement underwriting standards, policies, and process improvements
What they are asking for
- Bachelor's degree in Finance, Accounting, Economics, Business Administration or related field
- 5-8 years in credit underwriting, credit risk management, or SME lending
- Experience in banking, fintech, digital lending or microfinance
- Strong SME credit analysis and financial statement analysis skills
- Excellent leadership, stakeholder management and report-writing abilities
- Professional risk/credit certifications (ACIB, ACA, ACCA, CFA, FRM, CRCMP or related) an added advantage
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