Credit Risk Manager at Alert Microfinance Bank

Role Description

• This is a full-time, on-site Credit Risk Manager role based in Abuja.
• The Credit Risk Manager will evaluate and approve credit applications, perform detailed credit analyses, and set risk limits in line with the group’s credit policies.
• The role involves monitoring loan and investment portfolios, identifying emerging risks, and recommending mitigation strategies.
• The Credit Risk Manager will develop and refine credit risk frameworks, models, and reporting tools to support decision-making.
• The individual will collaborate with business units, finance, and operations to structure credit products, ensure compliance with internal and regulatory standards, and prepare regular risk reports for senior management.

Qualifications

• Strong credit-focused expertise, including Credit Management and Credit Risk Management, with experience assessing borrowers, structuring facilities, and enforcing credit policies.
• Advanced Analytical Skills and Finance knowledge to interpret financial statements, build risk assessments, and support data-driven decisions.
• Proficiency in Portfolio Management, including monitoring portfolio quality, tracking key risk indicators, and implementing strategies to manage concentration and default risk.
• Bachelor’s degree in Finance, Economics, Accounting, Business, or a related field; relevant professional certifications (e.g., CFA, FRM, risk management or credit certifications) are an advantage.
• Proven experience in credit or risk management within banking, microfinance, asset management, or related financial services, ideally with exposure to SME and retail lending.
• Strong communication and stakeholder management skills, with the ability to present complex risk issues clearly to non-technical audiences.
• High level of integrity, sound judgment, attention to detail, and the ability to work effectively on-site in a fast-paced environment in Abuja.