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
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
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.
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.
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Job Purpose
- The Regional Team Lead (“RTL”) builds strong relationships with customers and ensures products or services are optimized to receive the highest ROI.
- The RTL plays a major role in hiring, training and mentoring the offline customer support team across offline channels.
- He/she is also in charge of implementing policies with internal teams to establish quality customer service that exceeds expectations.
Key Responsibilities
Team Leadership & People Development:
- Line Management: Directly oversee a team of Offline Customer Support Officers & State Team Leads, managing daily workflows and resource allocation.
- Performance Management: Drive accountability through rigorous metric monitoring, regular calibrations, and PIP (Performance Improvement Plan) administration.
- Mentoring & Coaching: Conduct impactful 1:1 feedback sessions and develop training paths to upskill team members.
Operational Excellence & Strategy:
- Relationship Management: Build and maintain strategic relationships with key accounts, moving from reactive support to proactive success strategies.
- Process Improvement: Develop and share best practices to enhance the efficiency and quality of support workflows.
- Reporting: Analyze team KPIs to prepare comprehensive weekly and monthly performance insights for senior management.
Stakeholder & Project Management:
- Cross-Functional Collaboration: Act as the primary liaison for Regional Managers and State Coordinators to align support goals with regional needs.
- Project Oversight: Lead and execute customer support-related events and strategic projects.
- Field Engagement: Conduct regional visitations across state offices to audit support quality and understand local customer challenges.
Required Skills & Competencies
Educational & Experience Requirements:
- Education: BSc in any relevant field.
- Experience: Minimum of 5 years in a relevant customer service or support environment, with demonstrated leadership growth.
- Service: Must have completed NYSC.
Technical & Professional Skills:
- Systems Expert: Advanced proficiency in CRM tools, ticketing systems, and managing high-volume interactions..
- Tech Savvy: Strong computer literacy with the ability to navigate and troubleshoot multiple technical systems simultaneously.
- Analytical Skills: Ability to interpret data and translate it into actionable performance reports.
Communication & Interpersonal Skills:
- Articulate Communicator: Exceptional written and verbal skills, with the ability to explain complex information concisely.
- Adaptive Personality: A high degree of emotional intelligence to navigate various customer personalities and conflict-resolution scenarios.
Personal Attributes:
- Strategic Thinker: Highly organized and detail-oriented with the ability to prioritize tasks in a fast-paced digital environment.
- Empathy-Driven: A deep sense of patience and customer-centricity.
- Independent & Collaborative: Capable of driving results autonomously while fostering a unified team environment.
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Job Purpose
- The Tax Officer is a key guardian of Moniepoint’s financial integrity.
- Your mission is to ensure that as we scale and innovate, our tax obligations are met with absolute precision and transparency.
- In this role, you aren't just filing returns; you are helping build the stable foundation that allows our products to provide financial happiness to millions.
- You bridge the gap between complex tax legislation and our day-to-day operations, ensuring we remain a reliable and compliant partner in every market we operate.
Key Responsibilities
Tax Compliance & Remittance:
- Precise Computations: Prepare and review monthly, quarterly, and annual computations for VAT, WHT, CIT, and other statutory levies with a "right-first-time" mindset.
- Timely Execution: Own the end-to-end filing and remittance process for all federal and state tax obligations, ensuring we never miss a deadline.
- Ledger Integrity: Conduct regular reconciliations of tax ledgers and maintain meticulous documentation that serves as our "source of truth."
Audit Support & Regulatory Liaison:
- Always Audit-Ready: Support tax audits and investigations by preparing clear evidence and walkthroughs for tax authorities.
- Relationship Management: Assist in managing correspondence with regulatory bodies, representing Moniepoint’s commitment to transparency and mastery.
- Proactive Monitoring: Stay ahead of the curve by tracking changes in tax laws and assessing how they impact our business model.
Internal Advisory & Process Improvement:
- Stakeholder Partnership: Provide clear, jargon-free tax support to teams across Finance, Legal, HR, and Operations.
- Strategic Growth: Support the Head of Tax in providing tax-efficient guidance for new business transactions, M&A activities, and expansion plans.
- Building Better Systems: Help implement and automate tax controls and dashboards to reduce manual effort and human error.
What Success Looks Like
- Zero Penalties: 100% of tax filings and remittances are completed accurately and on time, resulting in zero avoidable fines or interest.
- Seamless Audits: Internal and external tax audits are concluded with minimal findings due to your proactive documentation.
- Real-time Visibility: Our tax compliance tracker and dashboards are always updated, providing leadership with a clear view of our tax position.
- Internal Trust: Stakeholders across the company view the Tax team as a helpful partner that enables business rather than a bottleneck.
Qualifications
- Minimum of 3 years of relevant experience in tax compliance or advisory (Fintech or Banking experience is a plus).
- Deep understanding of Nigerian tax laws and the practicalities of filing across multiple states.
- Proficiency in data analysis using Excel or Google Sheets—you should be comfortable turning raw data into clear tax schedules.
- Professional qualification (ICAN/ACCA) completed or in the final stages.
About You:
- The Detail Detective: You have a high attention to detail. You notice the small discrepancy in a ledger before it becomes a big problem.
- The Translator: You can explain a "Development Levy" or "Deferred Tax" to a non-finance person in a way that makes sense.
- Reliable & Disciplined: You thrive on structure and deadlines. People know they can depend on you to get the filing done right and on time.
- Growth Mindset: You are eager to learn how tax intersects with innovative fintech products and complex corporate structures.
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