Credit Risk Trainee at Carbon Nigeria

Role Overview

• We are seeking a motivated and detail-oriented individual to join our Credit Risk team as a Credit Risk Trainee. This program is designed for early-career professionals with a strong interest in credit risk management, data analysis, financial modeling, and decision-making in a digital banking environment.
• The Credit Risk Trainee will gain hands-on experience in 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.