Alan & Grant, is a Human Resources and Business Advisory firm. By combining creative and strategic minds, we co-create relevant and impactful solutions to our clients.
...additionally, we are developing capabilities to create and manage a portfolio of HR & Enterprise Products aimed at enhancing employee performance, business agility and overall pr...
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The Risk Manager will lead credit risk assessment for every debt and RBF transaction the company originates, and oversee the fund's enterprise risk framework.
You will bring the rigour of a banking risk function to an impact-focused SME fund independently challenging deals, sizing exposures, and ensuring the portfolio stays within risk appetite.
Key responsibilities
Independently review every credit memo, performing full credit analysis on each prospective debt and RBF transaction, including cash-flow stress testing and scenario analysis.
Own the internal risk rating methodology and maintain risk ratings across the portfolio on a rolling basis.
Present independent risk opinions to the Investment Committee on each transaction — with authority to escalate concerns.
Develop and maintain the company's risk appetite framework, concentration limits, sector caps, and country exposure limits.
Lead enterprise risk management across credit, operational, compliance, FX, and liquidity risk; maintain the risk register and report to the Board.
Design the provisioning and expected credit loss (ECL) model for the portfolio.
Work with the Portfolio Monitoring Manager to run portfolio-level stress tests and early-warning analytics
Requirements
5–10 years of credit risk experience, with a strong foundation in commercial, corporate, or SME banking risk.
Proven micro-level credit analysis skills — you can independently size and rate a debt transaction from raw financials.
Experience with debt transactions is essential; exposure to non-traditional instruments (RBF, mezzanine, trade finance) is a strong plus.
Familiarity with Basel II/III frameworks, IFRS 9 ECL modelling, and CBN prudential requirements.
Bachelor's degree in Finance, Economics, Accounting, or related field; FRM, CFA, or professional accounting qualifications strongly preferred.
Demonstrated ability to hold an independent view and push back constructively on investment teams.
Experience in a DFI, impact fund, or microfinance institution is a plus
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