Risk Manager at Turbo Energy Nigeria Limited

Job Summary

• The Risk Manager will lead the design and implementation of a robust risk management framework across credit, operational, liquidity, and compliance areas of KKU Microfinance Bank.
• The ideal candidate is analytical, structured, and comfortable in a startup environment where risk systems are still evolving.

Key Responsibilities

• Develop and enforce risk policies and procedures across the bank.
• Lead credit risk reviews and approval frameworks to mitigate default and fraud.
• Monitor portfolio performance and design early warning systems.
• Implement operational risk assessment and mitigation plans.
• Oversee regulatory compliance related to risk (e.g., NDIC, CBN, AML/CFT).
• Support business continuity planning and incident response management.
• Prepare periodic risk dashboards and reports for the board and regulators.
• Provide training and advisory support on risk issues across the organization.
• Conduct credit evaluation for retail and MSME customers
• Timely review of credit and investments reports
• Development and obtaining all credit risk related policies, product papers, approval limits for proper working of credit risk management
• Proper compliance to target market, risk acceptance criteria and overall credit policy
• Follow up recommended credit request for final approval. Ensuring timely approval of all credits and communication to market facing units of any changes
• Review credit portfolio for sustained quality, performance and compliance with approved terms and conditions as well as credit policy
• Conduct credit rating and credit scoring for all loan request
• Conduct credit stress testing and advise management on best action to manage portfolio
• Ensuring all pre-disbursement conditions are met on all loans
• Performance of credit status enquiries and liaising officer between the bank and credit bureaus companies
• Submission of monthly credit report to credit bureaus for upload
• Safe keep of all customers credit documents
• Serves as Secretary to Management Credit Committee
• Organizes MCC weekly meeting

Requirements

• Minimum BSc/HND in Finance, Risk Management, Economics, or related field.
• 4+ years of relevant experience in risk management within a financial institution.
• Strong knowledge of microfinance and CBN regulatory requirements.
• Excellent analytical, communication, and leadership skills.
• Experience building risk systems and processes from the ground up is highly desirable.
• Flexible and solution-driven mindset.