Credit Risk Analyst at Moniepoint Inc.

About The Role

• The Risk Management Analyst is responsible for analyzing credit and portfolio data, monitoring risk exposures, and supporting data-driven lending decisions across Moniepoint’s ecosystem. The role combines credit risk expertise and data analytics to ensure portfolio quality, regulatory compliance, and sustainable growth.

Key Responsibilities

Portfolio Risk Monitoring

• Track and analyze portfolio performance metrics (PAR, NPL, roll rates, recoveries)
• Monitor delinquency trends (PAR 0, 30, 60, 90, 360)
• Identify early warning signals (EWS) and emerging risk patterns

Data Analysis & Reporting

• Extract, clean, and analyse large datasets from internal and external systems
• Develop risk dashboards and automated reports
• Provide daily, weekly, and monthly portfolio insights

Credit Decision Support

Support underwriting with:

• Cash flow and behavioral analysis
• Customer risk profiling
• Provide data-backed recommendations on loan approvals, limits, and pricing

Risk Modeling & Analytics

Support development of:

• Credit scoring models
• Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)
• Conduct stress testing and scenario analysis

Portfolio Strategy & Optimization

• Segment portfolio by industry, geography, and customer type
• Recommend risk-based strategies to optimize growth and minimize losses
• Support collection and recovery strategies using data insights
• Create model for monitoring e.g. Vintage, Credit Risk Appetite, Atypical
• credit model, Exceptions model, IS-WAS Model, Transaction Matrix etc

Regulatory & Compliance Support

• Support reporting to regulators such as the Central Bank of Nigeria and credit bureau
• Assist with IFRS 9 Expected Credit Loss (ECL) calculations
• Ensure alignment with internal policies and risk frameworks

Systems & Process Improvement

• Improve data pipelines, reporting efficiency, and risk monitoring tools
• Collaborate with product, engineering, and credit teams
• Support automation of risk processes

Key Deliverables

• Portfolio risk reports (PAR, NPL, vintage analysis)
• Risk dashboards and performance trackers
• Early warning reports
• Stress testing and scenario outputs
• Credit decision insights and recommendations

Required Tools & Technologies
Data & Analytics

• Microsoft Excel (Advanced)
• SQL
• Python (Pandas, NumPy)
• Visualization & Reporting
• Power BI
• Tableau
• Database & Systems
• MySQL / PostgreSQL
• Core banking/loan systems (e.g., Temenos, Finacle)
• Risk & Statistical Tools
• SAS / R (optional)

Key Skills & Competencies
Technical Skills

• Strong data analysis and statistical skills
• SQL and data querying proficiency
• Dashboard and reporting development
• Understanding of risk modeling techniques

Risk Knowledge

• Credit risk lifecycle and lending processes
• Risk metrics (PAR, NPL, PD, LGD, EAD)
• Knowledge of IFRS 9

Soft Skills

• Strong analytical thinking
• Attention to detail
• Communication and storytelling with data
• Stakeholder management

Experience & Qualifications

• Bachelor’s degree in finance, Economics, Statistics, Mathematics, or related field
• 4 – 5+ years’ experience in credit risk, data analytics, or fintech risk roles
• Experience in financial services or fintech is an advantage

Key Performance Indicators (KPIs)

• Accuracy and timeliness of reports
• Portfolio quality improvement (PAR/NPL reduction)
• Effectiveness of risk insights in decision-making
• Efficiency gains through automation