Credit Risk Analyst at Carbon Nigeria

Role

• We are seeking a motivated and detail-oriented individual to join our Credit Risk team as a Credit Risk Analyst. 
• The Credit Risk Analyst will support critical areas such as credit risk analysis, loan portfolio management, credit decisioning, fraud detection, and underwriting processes.
• You will work closely with the Head of Credit Risk and other senior team members, contributing to high-impact projects that require strong analytical skills and a deep understanding of credit risk factors.|

Key Responsibilities:

Assist in analyzing credit data to assess loan applications and risk levels:

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of customers.
• Evaluate the customer's repayment capacity, willingness to pay, and credit history.
• Review and approve or decline credit applications based on established criteria.

Monitor the credit risk portfolio:

• Track and monitor the performance of existing credit portfolios.
• Identify trends and early warning signs of credit deterioration.
• Implement strategies to mitigate credit risk and improve portfolio quality.

Ensure regulatory compliance:

• Ensure compliance with all relevant credit risk regulations and guidelines.
• Maintain accurate records and documentation.
• Collaborate on fraud detection and prevention measures.
• Participate in loan portfolio performance tracking and reporting.
• Provide insights and recommendations to improve the lending process and mitigate risk.

Requirements:

• Experience in credit risk management, data analysis, or financial modeling.
• Strong analytical skills with attention to detail.
• Ability to work in a fast-paced environment and manage multiple tasks.
• 2+ years experience in a Start-up, Fintech or Financial Industry. 
• Minimum of a Bachelor’s degree in any discipline.
• Logical thinker evidenced by strong numerical/data skills or programming/coding experience (SQL, Retool, Python, R, Tableau, Looker Studio, Power BI, Qlikview).
• Familiarity with other data analytics tools, or other relevant software is a plus.
• Familiarity with data wrangling, processing and visualization concepts and best practices.
• Ideal candidates will be PRIMED - Passionate, Resourceful, Intellectual, Maverick, Executor, and Data-Driven.

Recruitment process

• People Screening
• Case study
• Interviews