Business and Operations Risk Analyst at Credit Direct Limited

The Business and Operations Risk Analyst will support the effective management of operational and business risks across the organization. The role focuses on identifying and assessing risks, monitoring controls, ensuring compliance, and providing insights to enhance risk awareness and strengthen overall business resilience.

Job Details

• Digital Ecosystem Intelligence: Monitor fintech disruptions, emerging competitors, and market trends that could impact the company’s lending model.
• Asset–Liability & Market Risk: Assess liquidity, interest rate, and funding concentration risks; analyse cost of deposits versus lending yields; support optimization strategies.
• Business Model Stress Testing: Develop and maintain stress-testing models for credit, liquidity, and capital risks; simulate macroeconomic and digital lending scenarios in line with CBN expectations.
• Strategic Risk Integration: Coordinate cross-risk assessments and integrate stress-testing outcomes into strategic business decisions, planning, and capital adequacy reviews.

Requirements

• Bachelor’s degree in Finance, Business Administration, Risk Management or a related field.

Experience:

• At least 2-4 years of experience on Operational Risk, IT Risk and Business Continuity Management in a Financial Services Institution or Fintech.
• Good knowledge of consumer lending is required. 
• Knowledge of risk management principles and practices, regulatory environment and policies, governance practices and risk finance and control are crucial. 
• Proven track record of developing and implementing effective risk management frameworks.

Competencies:

Technical:

• Business Continuity and Disaster Recovery Management 
• Data Analysis
• Financial Analysis 
• Loan management 
• Quality Assurance 
• Risk Management​
• Customer Service 
• Policy Development

Behavioural:

• Entrepreneurial Mindset
• Excellence
• Execution
• Energy
• Empathy
• Evolution
• Emotional Intelligence
• Business Acumen
• Decision-Making
• Result Oriented
• Strategic Thinking
• Communication written & verbal
• Stakeholder Management
• Developing Others
• Analytical Thinking
• Leading Change
• Managing Risk
• Service Orientation