A financial services company dedicated to supporting market traders, retailers, and small businesses across Nigeria. We provide innovative working capital and business infrastructure solutions designed around the realities of informal commerce. By combining technology, financing, and operational support, we help entrepreneurs access the resources they need to grow, manage cash flow, and build sustainable businesses.
Role Overview
- We’re looking for a Credit Analyst & Portfolio Officer who can evaluate loan applications accurately and manage the health of an active lending portfolio day to day. You will be responsible for both the quality of credit decisions before disbursement and the ongoing performance of the loan portfolio after disbursement.
- This is not a policy-writing or oversight role. You will be reviewing real applications, making real recommendations, tracking real repayments, and flagging real risks on a portfolio that is growing. You need to be someone who is comfortable with numbers, pays close attention to detail, and understands how informal businesses actually operate.
- You will work closely with the operations team, the finance function, and directly with Management. This is a hybrid role based in Abuja.
Success in This Role
- Maintaining high-quality credit decisions and underwriting accuracy
- Monitoring and improving portfolio performance, including PAR and NPL metrics
- Ensuring timely and accurate portfolio reporting
- Identifying and escalating portfolio risks early
- Maintaining accurate and complete credit and portfolio records
- Contributing insights that improve underwriting and portfolio management practices
What You’ll Do
- Credit Assessment & Underwriting
- Review loan applications submitted by field officers and assess borrower eligibility using Hadi’s underwriting criteria
- Analyse alternative data inputs: supplier purchase records, inventory audits, repayment history, and field verification reports
- Make clear, well-reasoned credit recommendations: approve, decline, or recommend modified terms
- Identify gaps or inconsistencies in application data and follow up with the field team to resolve them before disbursement
- Maintain a consistent turnaround time on credit reviews without compromising on accuracy
- Portfolio Monitoring & Risk Management
- Monitor the active loan portfolio daily, tracking repayment performance, overdue accounts, and early warning signals
- Maintain up-to-date portfolio data including disbursement balances, repayment schedules, and NPL status
- Flag at-risk accounts early and work with field officers to initiate follow-up before accounts become delinquent
- Produce regular portfolio health reports covering NPL ratios, collection rates, and segment performance
- Escalate high-risk or unresolved delinquency cases to leadership with clear documentation and a recommended course of action
- Collections Support
- Collaborate with field officers on recovery strategies for overdue accounts
- Track recovery outcomes and update portfolio records accordingly
- Reporting & Data Integrity
- Ensure all credit and portfolio data is accurately recorded and up to date at all times
- Prepare weekly and monthly portfolio performance reports for the CEO and finance team
- Identify patterns in defaults or delinquency and surface insights that can improve underwriting criteria or field practices
- Support the finance team with loan book data required for investor reporting and financial statements
- Process & Compliance
- Ensure all credit decisions are documented and traceable
- Maintain and update the credit assessment framework as the portfolio evolves
- Flag any process gaps or data quality issues that could affect portfolio integrity
What We’re Looking For
Experience
- 2–4 years of hands-on experience in credit analysis, loan underwriting, or portfolio management
- Mandatory background in microfinance, fintech lending, commercial banking, or financial services
- Demonstrated experience reviewing and making decisions on real loan applications, not just supporting a senior analyst
- Exposure to informal and SME lending is a strong advantage
- Experience working in a lean or early-stage organisation is an advantage
Education
- Bachelor’s degree in Finance, Economics, Accounting, or a related field
Location
Must be based in Abuja
Core Competencies & Skills
- Strong analytical and numerical ability, comfortable working with loan data, repayment schedules, and portfolio metrics
- Deep understanding of credit risk in informal and SME lending contexts
- Proficiency in Excel or Google Sheets for portfolio tracking and reporting
- Attention to detail, catches inconsistencies, questions assumptions, and does not approve what doesn’t add up
- Clear written communication, can document a credit decision or portfolio risk in plain language
- Proactive and self-directed, monitors the portfolio without being prompted and escalates early
- High integrity, trusted with sensitive borrower and investor data, and makes credit decisions without bias or shortcuts
What You’ll Get
₦200,000 – ₦300,000 monthly salary based on experience
Hybrid work arrangement
Opportunity to work directly with senior leadership
Exposure to end-to-end fintech lending operations
Opportunity to help build and improve credit and portfolio management systems as the company scales
A fast-paced environment with significant learning and growth opportunities
Gmail
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