Head of Credit Risk at Kuda Bank

Role Overview

• Join us at Kuda in this pivotal role and be the driving force in shaping and optimizing our Credit Risk strategies!
• We are currently searching for a dynamic Head of Credit Risk to lead the Credit Risk team, spearhead the implementation and execute Kuda's Credit Risk policies. 
• You’ll have the opportunity to drive streamlined collection practices and actively contribute to the development of relevant policies and protocols.
• In addition, you’ll get to ensure precise reporting and strict adherence to Credit product practices within Nigeria. 

Responsibilities

• Lead the Credit Risk team, end-to-end strategy roadmap and execution 
• Ensure proactive advocacy and steadfast adherence to Credit policies
• Design Credit policies tailored to the unique dynamics of Kuda MFB in Nigeria
• Build and operate the underwriting function for both consumer and business credit
• Managing a team of underwriters, providing guidance, training, and feedback to ensure consistency and adherence to established underwriting standards
• Spearhead active and compliant collection practices, demonstrating a commitment to regulatory standards and guidelines 
• Lead the strategic implementation of Credit initiatives within the Nigerian market, aligning efforts with organizational objectives
• Establish, build and actively manage various relationships with external partners

Requirements

• 10+ years of experience, with at least 4 years in a leadership position specifically within Credit Risk Management
• Extensive background in financial services or Fintech, underscoring a deep understanding of the industry's nuances and dynamics
• Solid understanding of Credit regulation within the Nigeria banking industry
• In-depth hands-on expertise in the administration of Credit Risk policies, the Credit underwriting process, Credit Risk scoring methodologies, and precise calculation of unit costs for risk products
• BSc in Accounting, Economics, Banking, Finance and Commerce (or relevant fields)