Credit & Risk Officer

We are a dynamic and growing fintech company seeking a meticulous and analytically minded Credit and Risk Officer to join our team. You will play a crucial role in safeguarding our portfolio by evaluating, monitoring, and mitigating credit risk. The ideal candidate is someone with hands-on experience in credit assessment, loan underwriting, and risk management within a fintech or financial services environment. You will use data-driven insights to make sound credit decisions and help shape our risk policies in a fast-paced, innovative setting.

Key Responsibilities

• Credit Analysis & Underwriting:

  • Evaluate loan applications, conduct thorough financial and behavioral analysis, and make informed credit decisions in line with company policies.

  • Develop and refine credit scoring models and underwriting criteria using both traditional and alternative data sources.

  • Perform due diligence, including KYC (Know Your Customer) and AML (Anti-Money Laundering) checks.

• Portfolio Monitoring & Risk Management:

  • Proactively monitor the performance of the existing loan portfolio to identify early warning signs of delinquency or default.

  • Analyze portfolio trends and prepare regular risk reports for management, highlighting key risk indicators (KRIs) and exposure levels.

  • Implement and maintain effective risk control frameworks and early collection strategies.

• Policy & Process Development:

  • Assist in developing, updating, and enforcing credit policies, risk appetite statements, and operational procedures.

  • Stay abreast of regulatory changes, market trends, and emerging risks in the fintech lending space.

  • Collaborate with product, tech, and data teams to automate and optimize risk processes.

• Reporting & Compliance:

  • Ensure all credit and risk activities comply with relevant national regulations and internal governance standards.

  • Prepare accurate and timely reports for internal stakeholders and external regulators as required.

Qualifications & Experience

• Bachelor’s degree in Finance, Economics, Business, Statistics, or a related field. A relevant professional certification (e.g., CRC, FRM, PRM) is a plus.

• Minimum of 5 years of direct experience in a credit analysis, underwriting, or risk management role.

• Proven experience working within a fintech company, digital lending platform, bank, or microfinance institution is mandatory.

• Strong understanding of credit risk principles, loan lifecycle, and portfolio management.

• Proficiency in data analysis and familiarity with risk modeling; experience with SQL, Python, R, or data visualization tools (e.g., Tableau, Power BI) is highly advantageous.

• Excellent analytical, decision-making, and problem-solving skills.

• High level of integrity, attention to detail, and the ability to work independently under tight deadlines.

What We Offer

• A competitive salary and benefits package.

• The opportunity to work in a fast-paced, innovative fintech environment.

• A pivotal role with significant impact on the company's growth and stability.

• Opportunities for professional development and career advancement.