Credit Risk and Recovery Aanlyst at Zuriel Consulting

Our client is a licensed Money Lending Institution operating in Lagos State. Services offered by the client include comprehensive, affordable, dependable and specialized payday loans amongst others financial solutions to individuals, groups of individuals and burgeoning small size enterprises in Nigeria.

We are recruiting to fill the following position below:

1.1.            Job Description

• Prepare analysis, reporting, and presentation of key performance indicators such as credit originations quality and delinquency performance.
• Assist with risk mitigation strategies, including but not limited to, credit policy changes and analyses to optimize collection efforts.
• Support the Risk Analytics department with analytical ad hoc assignments as needed. 
• Lead credit-related projects and/or develop credit risk analyses as requested. • Assess credit risk and establish credit limits.
• Make recommendations to management that improve effectiveness or efficiencies for credit risk related areas 
• Analyze customer financial condition and authorize customer credit lines. 
• Understand the industry and possess market knowledge. 
• Minimize bad debt risk, maximize accounts receivable collections.
• Participate in process improvement projects and support other management directives as prescribed.
• Conduct collection calls and customer visits to collect Accounts Receivables.
• Provide customer service and develops relationships with internal/external customers and suppliers.
• Participate in major department projects and take an active role in cross functional teams to assist in driving quality improvements, processes, and initiatives.
• Provide the internal auditor with requisite assistance in ascertaining that all corporate governance procedure is complied with, while keeping records of all performing and non-performing loans. 

1.2.     Requirements

• BA/BSc. degree required in Mathematics/Statistics, Finance, Economics, Business, Business Administration or related field required. Masters or MBA degree or Post-graduate Diploma in Risk assessment and management or its equivalent will be an added advantage.
• 3+ years /and above in a lending, scoring, financial or statistical field is desirable.
• Knowledge of indirect loan/lease consumer lending is preferred. Basic to intermediate knowledge of credit markets is preferred.
• Excellent quantitative skills and financial acumen, ideally expert in Excel and proficient in relational databases.
• Exposure to statistical and/or financial modelling with spreadsheets is a plus.
• Strong verbal and written communication skills, with the ability to effectively interact and communicate with all levels of management.
• Ability to develop reports with a strong attention to detail.
• Challenging spirit with ability to handle deadlines and pressure well.
• Good organizational skills to handle multiple priorities.