Job Roles at Moniepoint Inc.

About The Role

• The Risk Management Analyst is responsible for analyzing credit and portfolio data, monitoring risk exposures, and supporting data-driven lending decisions across Moniepoint’s ecosystem. The role combines credit risk expertise and data analytics to ensure portfolio quality, regulatory compliance, and sustainable growth.

Key Responsibilities

Portfolio Risk Monitoring

• Track and analyze portfolio performance metrics (PAR, NPL, roll rates, recoveries)
• Monitor delinquency trends (PAR 0, 30, 60, 90, 360)
• Identify early warning signals (EWS) and emerging risk patterns

Data Analysis & Reporting

• Extract, clean, and analyse large datasets from internal and external systems
• Develop risk dashboards and automated reports
• Provide daily, weekly, and monthly portfolio insights

Credit Decision Support

Support underwriting with:

• Cash flow and behavioral analysis
• Customer risk profiling
• Provide data-backed recommendations on loan approvals, limits, and pricing

Risk Modeling & Analytics

Support development of:

• Credit scoring models
• Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)
• Conduct stress testing and scenario analysis

Portfolio Strategy & Optimization

• Segment portfolio by industry, geography, and customer type
• Recommend risk-based strategies to optimize growth and minimize losses
• Support collection and recovery strategies using data insights
• Create model for monitoring e.g. Vintage, Credit Risk Appetite, Atypical
• credit model, Exceptions model, IS-WAS Model, Transaction Matrix etc

Regulatory & Compliance Support

• Support reporting to regulators such as the Central Bank of Nigeria and credit bureau
• Assist with IFRS 9 Expected Credit Loss (ECL) calculations
• Ensure alignment with internal policies and risk frameworks

Systems & Process Improvement

• Improve data pipelines, reporting efficiency, and risk monitoring tools
• Collaborate with product, engineering, and credit teams
• Support automation of risk processes

Key Deliverables

• Portfolio risk reports (PAR, NPL, vintage analysis)
• Risk dashboards and performance trackers
• Early warning reports
• Stress testing and scenario outputs
• Credit decision insights and recommendations

Required Tools & Technologies
Data & Analytics

• Microsoft Excel (Advanced)
• SQL
• Python (Pandas, NumPy)
• Visualization & Reporting
• Power BI
• Tableau
• Database & Systems
• MySQL / PostgreSQL
• Core banking/loan systems (e.g., Temenos, Finacle)
• Risk & Statistical Tools
• SAS / R (optional)

Key Skills & Competencies
Technical Skills

• Strong data analysis and statistical skills
• SQL and data querying proficiency
• Dashboard and reporting development
• Understanding of risk modeling techniques

Risk Knowledge

• Credit risk lifecycle and lending processes
• Risk metrics (PAR, NPL, PD, LGD, EAD)
• Knowledge of IFRS 9

Soft Skills

• Strong analytical thinking
• Attention to detail
• Communication and storytelling with data
• Stakeholder management

Experience & Qualifications

• Bachelor’s degree in finance, Economics, Statistics, Mathematics, or related field
• 4 – 5+ years’ experience in credit risk, data analytics, or fintech risk roles
• Experience in financial services or fintech is an advantage

Key Performance Indicators (KPIs)

• Accuracy and timeliness of reports
• Portfolio quality improvement (PAR/NPL reduction)
• Effectiveness of risk insights in decision-making
• Efficiency gains through automation

go to method of application »

Job Purpose

• The Implementation Officer ensures new retail customers successfully adopt Moniebook POS into their daily store operations through structured, high-touch onboarding experiences.
• This role bridges the gap between sales and long-term customer success by transforming newly signed customers into confident, active users who derive maximum value from the platform within their first 30-60 days.
• Operating as the customer's primary guide during the critical early adoption phase, you will understand each retailer's unique operational needs, configure Moniebook to fit their workflow, deliver effective training, and drive product adoption that sets the foundation for retention and expansion.
• Success is measured by activation rates, time-to-value, feature adoption depth, and seamless handoffs to Account Managers.

Key Responsibilities

• Onboarding Program Design & Execution: Create and execute tailored onboarding plans that guide customers from signup to full operational usage. Define clear milestones, timelines, and success metrics for each customer's onboarding journey.
• Product Setup & Configuration: Guide customers through initial Moniebook POS setup.
• Training Delivery & Enablement: Conduct engaging live training sessions (both one-on-one and group) that educate retail staff on core Moniebook features, best practices, and operational workflows. Create an environment where users feel confident and empowered to use the POS system independently.
• Adoption Monitoring & Progress Tracking: Monitor customer usage data, transaction volume, feature adoption, and engagement signals. Proactively identify at-risk customers showing low adoption and intervene with targeted support to get them back on track.
• Relationship Building & Trust Establishment: Build strong, trust-based relationships with key stakeholders during the onboarding period. Be responsive, empathetic, and solutions-oriented in addressing concerns and questions.
• Issue Resolution & Escalation Management: Provide troubleshooting support for technical issues, user errors, or configuration challenges during onboarding. Escalate complex technical issues to Product/Engineering teams while maintaining customer communication and managing expectations.
• Documentation & Knowledge Sharing: Maintain accurate records of customer interactions, onboarding progress, configuration details, and issues in CRM/CS platform. Document common customer questions and best practices to improve onboarding resources and internal knowledge base.
• Account Manager Handoff: Execute smooth, well-documented handoffs to the account manager upon onboarding completion. Provide context on customer goals, usage patterns, relationship notes, and any ongoing concerns to ensure continuity of support.
• Feedback Loop & Product Insights: Capture and share customer feedback, feature requests, usability issues, and competitive insights with Product and Account management teams. Act as the voice of the customer to inform product development and onboarding process improvements.

What Success Looks Like

• 90%+ of onboarded customers reach 'active user' status (defined by processing transactions and using key features) within their first 30 - 60 days
• Customers go live with Moniebook POS in their retail operations within the target onboarding timeline (typically 1-2 weeks from signup)
• Customers actively use 3+ core Moniebook features by the end of onboarding, demonstrating comprehensive platform adoption beyond basic transactions
• Achieve a 4.5+ average rating score on post-onboarding surveys.
• Customers you onboard show <5% churn rate in first 90 days post-onboarding, indicating strong early-stage retention
• Account Managers rate your handoff documentation and communication as excellent, enabling seamless transition to long-term retention
• You regularly identify onboarding friction points and contribute actionable recommendations that improve our onboarding playbooks, training materials, or product experience

Qualifications

• Bachelor's Degree in Business, Technology, Communication, or related field (or equivalent work experience) 
• 2 - 4 years of experience in customer onboarding, customer success, implementation, or account management roles (preferably in SaaS, retail technology, or POS systems)
• Proven track record of successfully onboarding customers to software platforms and driving product adoption
• Excellent communication and presentation skills with ability to train diverse audiences
• Strong problem-solving and analytical skills, able to diagnose customer challenges and recommend effective solutions
• Customer-first mindset with genuine passion for helping people succeed and delivering exceptional experiences
• Highly organised and detail-oriented, capable of managing multiple onboarding projects simultaneously while maintaining quality
• Self-motivated, proactive, and adaptable, comfortable working independently and taking ownership of customer outcomes
• Technical aptitude and comfort with software tools.

Preferred Qualifications:

• Experience creating training materials, documentation, or knowledge base content
• Exposure to SaaS onboarding methodologies, customer health scoring, or CS best practices
• The candidate should be based in either Dutse, Jigawa, or Jalingo, Taraba.

go to method of application »

Job Purpose

• The Implementation Officer ensures new retail customers successfully adopt Moniebook POS into their daily store operations through structured, high-touch onboarding experiences.
• This role bridges the gap between sales and long-term customer success by transforming newly signed customers into confident, active users who derive maximum value from the platform within their first 30-60 days.
• Operating as the customer's primary guide during the critical early adoption phase, you will understand each retailer's unique operational needs, configure Moniebook to fit their workflow, deliver effective training, and drive product adoption that sets the foundation for retention and expansion.
• Success is measured by activation rates, time-to-value, feature adoption depth, and seamless handoffs to Account Managers.

Key Responsibilities

• Onboarding Program Design & Execution: Create and execute tailored onboarding plans that guide customers from signup to full operational usage. Define clear milestones, timelines, and success metrics for each customer's onboarding journey.
• Product Setup & Configuration: Guide customers through initial Moniebook POS setup.
• Training Delivery & Enablement: Conduct engaging live training sessions (both one-on-one and group) that educate retail staff on core Moniebook features, best practices, and operational workflows. Create an environment where users feel confident and empowered to use the POS system independently.
• Adoption Monitoring & Progress Tracking: Monitor customer usage data, transaction volume, feature adoption, and engagement signals. Proactively identify at-risk customers showing low adoption and intervene with targeted support to get them back on track.
• Relationship Building & Trust Establishment: Build strong, trust-based relationships with key stakeholders during the onboarding period. Be responsive, empathetic, and solutions-oriented in addressing concerns and questions.
• Issue Resolution & Escalation Management: Provide troubleshooting support for technical issues, user errors, or configuration challenges during onboarding. Escalate complex technical issues to Product/Engineering teams while maintaining customer communication and managing expectations.
• Documentation & Knowledge Sharing: Maintain accurate records of customer interactions, onboarding progress, configuration details, and issues in CRM/CS platform. Document common customer questions and best practices to improve onboarding resources and internal knowledge base.
• Account Manager Handoff: Execute smooth, well-documented handoffs to the account manager upon onboarding completion. Provide context on customer goals, usage patterns, relationship notes, and any ongoing concerns to ensure continuity of support.
• Feedback Loop & Product Insights: Capture and share customer feedback, feature requests, usability issues, and competitive insights with Product and Account management teams. Act as the voice of the customer to inform product development and onboarding process improvements.

What Success Looks Like

• 90%+ of onboarded customers reach 'active user' status (defined by processing transactions and using key features) within their first 30 - 60 days
• Customers go live with Moniebook POS in their retail operations within the target onboarding timeline (typically 1-2 weeks from signup)
• Customers actively use 3+ core Moniebook features by the end of onboarding, demonstrating comprehensive platform adoption beyond basic transactions
• Achieve a 4.5+ average rating score on post-onboarding surveys.
• Customers you onboard show <5% churn rate in first 90 days post-onboarding, indicating strong early-stage retention
• Account Managers rate your handoff documentation and communication as excellent, enabling seamless transition to long-term retention
• You regularly identify onboarding friction points and contribute actionable recommendations that improve our onboarding playbooks, training materials, or product experience

Qualifications

• Bachelor's Degree in Business, Technology, Communication, or related field (or equivalent work experience) 
• 2 - 4 years of experience in customer onboarding, customer success, implementation, or account management roles (preferably in SaaS, retail technology, or POS systems)
• Proven track record of successfully onboarding customers to software platforms and driving product adoption
• Excellent communication and presentation skills with ability to train diverse audiences
• Strong problem-solving and analytical skills, able to diagnose customer challenges and recommend effective solutions
• Customer-first mindset with genuine passion for helping people succeed and delivering exceptional experiences
• Highly organised and detail-oriented, capable of managing multiple onboarding projects simultaneously while maintaining quality
• Self-motivated, proactive, and adaptable, comfortable working independently and taking ownership of customer outcomes
• Technical aptitude and comfort with software tools.

Preferred Qualifications:

• Experience creating training materials, documentation, or knowledge base content
• Exposure to SaaS onboarding methodologies, customer health scoring, or CS best practices
• The candidate should be based in either Awka - Ziks Avenue, Otunpo/ifite, Onitsha Central, or Onitsha - Awada / Obosi.

About You:

• You're deeply customer-obsessed, you measure your success by your customers' success and genuinely care about their outcomes
• You're an exceptional teacher and communicator who can explain complex concepts simply and make technology accessible to non-technical users
• You're naturally empathetic and patient, you understand that change is hard and meet customers where they are with understanding and support
• You're process-driven but flexible, you follow structured onboarding frameworks while adapting to each customer's unique needs and pace
• You thrive on problem-solving and troubleshooting, you're resourceful, persistent, and don't give up until the customer succeeds
• You're a team player who collaborates seamlessly across Sales, Product, Support, and Account managers to deliver great customer experiences
• You're energised by fast-paced, dynamic environments where no two days are the same and continuous learning is the norm
• You take initiative and ownership. When you see a problem or an opportunity to improve the customer experience, you act on it.