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Senior Risk & Business Operations Analyst
About this role
CIML Outsourcing is seeking an experienced Senior Risk & Business Operations Analyst in Abuja. The role focuses on leading credit-risk evaluation, strengthening operational processes, and supporting executive decision-making. The analyst will assess customer records, issue loan offers after thorough evaluation and approval in principle, and oversee loan origination, underwriting, disbursement and recovery workflows. The position requires reporting to the Principal Partner or CEO and involves collaboration with collections, finance, customer service and external partners to ensure smooth operations.
What you would do
- Conduct advanced credit assessments using financial statements, credit bureau reports, bank records and verification data
- Prepare comprehensive credit evaluation reports for review and approval in principle by the Principal Partner/CEO
- Issue formal loan offers to qualified customers after full evaluation and approval in principle
- Enhance and oversee operational workflows across loan origination, underwriting, disbursement and recovery
- Monitor portfolio performance, delinquency trends and operational KPIs
- Ensure compliance with CBN regulations, KYC/AML standards and internal credit policies
- Maintain audit-ready documentation and support audits
- Identify emerging risks and recommend mitigation measures
- Collaborate with collections, finance, customer service and external partners to ensure smooth operations
- Manage activities of loan/sales agents and prepare weekly and monthly reports
What they are asking for
- Bachelor’s Degree in Finance, Economics, Accounting, Statistics, Business Administration or related field
- 5–8 years of experience in credit risk, lending operations or financial-services risk management
- Strong analytical skills with proficiency in Excel, SQL, Power BI or similar tools
- Deep understanding of Nigerian lending practices, credit-bureau systems, fraud-risk patterns and regulatory frameworks
- Excellent communication and report-writing skills
- High integrity, sound judgement and attention to detail
- Preferred: experience in digital lending or microfinance
- Preferred: familiarity with risk-scoring engines or loan-management systems
- Preferred: strong process-optimization and operational leadership capabilities
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