Jobs at Moniepoint Inc.

Job Summary

• The Lead, Corporate Credit Risk Management is responsible for developing, implementing, and managing our credit risk framework to ensure sustainable portfolio growth, asset quality preservation, and regulatory compliance. 
• The role oversees end-to-end credit risk management across retail, SME, and digital lending products and acts in the capacity of Head of Credit Risk, providing strategic direction, oversight, and independent challenge to business units.

Key Responsibilities

Credit Risk Strategy & Governance:

• Develop and implement the Bank’s Credit Risk Strategy in line with Moniepoint’s risk appetite, business objectives, and CBN Prudential Guidelines.
• Provide leadership oversight of credit risk management 
• Ensure credit risk considerations are embedded in product design, pricing, underwriting, and portfolio growth strategies.
• Serve as a key advisor to Executive Management and the Board on credit risk exposures, trends, and emerging risks.
• Support the Board Finance, Audit and Risk Committee (FARCo) with regular credit risk reports and insights.
• Stay abreast of fintech and digital lending trends impacting credit risk management.

Credit Policy & Underwriting Framework:

• Develop, review, and maintain the Bank’s Credit Risk Policies, underwriting standards, and approval authorities.
• Ensure all lending activities comply with approved credit policies, regulatory requirements, and internal risk standards.
• Oversee credit scoring models, decision engines, and manual underwriting processes for digital and non-digital loans.
• Ensure appropriate segregation of duties between origination, approval, and disbursement processes.
• Periodically review lending limits, sectoral exposures, and concentration risks, to ensure compliance with credit policies and risk appetite\
• Oversee the use of data, analytics, and alternative data sources to enhance credit decisioning.
• Ensure credit risk controls are embedded within digital platforms, APIs, and automated workflows.
• Review and validate changes to credit models, decision rules, and lending systems.

Portfolio Monitoring & Asset Quality Management:

• Monitor credit portfolio performance across products, channels, and customer segments.
• Track key portfolio metrics including delinquency ratios, non-performing loans (NPLs), roll rates, vintage analysis, and write-offs.
• Identify early warning signals and emerging credit risks, recommending timely corrective actions.
• Oversee remedial management strategies, restructuring, recoveries, and collections escalation frameworks.
• Ensure adequacy of loan loss provisioning in line with regulatory and accounting standards.

Credit Risk Analytics & Reporting:

• Develop robust credit risk dashboards and management information systems (MIS).
• Provide accurate and timely credit risk reports to:
• Chief Risk Officer
• Executive Management
• Board Finance, Audit and Risk Committee (FARCo)
• Perform stress testing and scenario analysis on the loan portfolio.
• Support regulatory reporting and supervisory examinations relating to credit risk.

Regulatory Compliance & Stakeholder Engagement:

Ensure full compliance with:

• CBN Prudential Guidelines for MFBs
• IFRS 9 (where applicable)
• Consumer protection and fair lending requirements
• Act as a key liaison with Internal Audit, External Auditors, Regulators, and Credit Bureaus on credit risk matters.
• Support regulatory examinations, audits, and implementation of audit recommendations.

Team Leadership & Cross-Functional Collaboration:

• Lead and develop the Credit Risk team, ensuring clear roles, accountability, and performance management.
• Partner closely with Product, Operations, Collections, Finance, IT, and Business teams to ensure balanced risk-return outcomes.
• Provide guidance and training on credit risk principles, policy compliance, and risk ownership across the organization.
• Foster a strong credit risk culture focused on discipline, data-driven decisions, and sustainability.

Required Qualifications & Experience

Education

• Bachelor’s Degree in Finance, Accounting, Economics, Mathematics, Statistics, or related field
• Master’s Degree (MBA, MSc) is an advantage.

Professional Certifications (Preferred):

• ACA, ACCA, FRM, PRM, or equivalent

Experience:

• Minimum of 8–10 years experience in credit risk, lending, or risk management within banking, fintech, or financial services
• Proven experience managing credit risk portfolios, preferably in digital or SME lending
• Prior experience in a leadership or senior risk role is required.

Core Competencies & Skills:

• Strong understanding of credit risk frameworks and CBN regulations
• Advanced analytical and data interpretation skills
• Sound judgment and decision-making ability
• Strong stakeholder engagement and communication skills
• High ethical standards and independence
• Ability to operate in a fast-paced, technology-driven environment.

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About this Role 

• The Research Operations Coordinator is the operational backbone of the Customer Research function, supporting every embedded researcher, team lead, and research specialist across all product org units. 
• The role owns the infrastructure that allows the research function to operate at pace — participant panel management, session coordination, incentive fulfilment, tooling administration, and data governance.
• This is a new role, created as part of a deliberate restructure of the Customer Research function. 
• You will be building the operational infrastructure from scratch — and the quality of what you build will determine how effectively the entire function serves Moniepoint's product teams and its customers. 
• Without this role functioning well, researchers cannot deliver on their commitments to the product teams they serve.

Responsibilities

• Research Participant Panel Management: Build and maintain a large, standing panel of active, consented, and well-segmented research participants across all product areas and customer segments. Design and operate the participant recruitment pipeline, sourcing participants through multiple channels while maintaining panel segmentation at a highly granular level. Track and report on panel health (coverage, engagement, profile quality, and consent freshness), run re-engagement programmes, manage annual re-consent cycles, and oversee all participant onboarding, maintenance, and offboarding. 
• Session Coordination: Manage scheduling for all research sessions across the function, including interviews, usability tests, large-scale panels, and outbound research calls. Send participant invitations, reminders, and confirmations through appropriate channels, track attendance, manage rescheduling, and coordinate logistics for periodic large-group sessions. 
• Incentive Fulfilment: Manage the complete participant incentive lifecycle from confirming session completion to disbursing rewards. Maintain a complete and accurate incentive ledger, resolve fulfilment failures promptly, and produce regular incentive reconciliation reports for Finance. 
• Tooling & Systems Administration: Own and administer the research function's tooling stack, including participant management systems, survey platforms, research repositories, and communication tools. Ensure all researchers and specialists have the necessary access, training, and support, serving as the first point of contact for system issues or process breakdowns. 
• Data & Compliance: Maintain up-to-date customer satisfaction data per product area and flag significant changes promptly. Ensure all participant data handling and panel communications remain strictly compliant with NDPR and applicable data protection regulations. Maintain a complete consent register, process deletion requests within regulatory timelines, and enforce data retention policies. 
• Team Contribution: Contribute to the continuous improvement of research operations processes and tools, and support the onboarding of new researchers and specialists into the function's operational systems.

What success looks like in this role

• Panel Health: Maintaining an optimal panel size alongside strong coverage, engagement rates, profile completeness, and consent freshness across all product areas.
• Operational Execution: Achieving a high research session fulfilment rate and turnaround compliance across the entire function.
• Financial Accuracy: Ensuring incentive fulfilment speed and accuracy maintain a near-zero failure rate, with prompt resolution protocols when discrepancies occur.
• Function Efficiency: High researcher satisfaction with operational support, successfully enabling researchers to spend their time on core research rather than logistics.
• Flawless Compliance: Maintaining strict NDPR compliance with zero consent or data handling violations.

Experience & Background

• Bachelor's Degree in Business Administration, Information Management, Social Sciences, Statistics, or a related field. 
• 3+ years of experience in a research operations, programme coordination, or operational management role — preferably in a research, product, or technology organisation. 
• Experience in qualitative and quantitative market, customer, or UX research. 
• Proven ability to conduct and analyse customer interviews, usability tests, diary studies, and surveys. 
• Demonstrable experience building and maintaining participant or customer panels. 
• Familiarity with financial technology or a regulated consumer product environment is preferred.

Skills & Competencies:

• System Builders: Strong process design and organisational skills with a proven ability to build sustainable systems rather than temporary workarounds. 
• Data-Driven Operations: Highly comfortable with data, tracking clean metrics, detecting anomalies, and generating Finance-ready reporting without supervision. 
• Regulatory Knowledge: Working knowledge of NDPR or equivalent data protection regulations, including consent management and right-to-erasure obligations. 
• Project & Privacy Certifications: Project management certification (PMP, PRINCE2, or equivalent) and data protection or privacy compliance training (NDPR, GDPR, or equivalent) are preferred. 
• Technical Administration: Experience administering CRM or participant management platforms, survey tools, or contact centre systems is preferred.

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About the Role

• As a Senior Product Designer, you will be responsible for executing high-quality designs for our financial products, ensuring they are intuitive, accessible, and effective.
• You will collaborate with cross-functional teams, mentor junior designers, and champion user-centred design within the organisation.
• This role requires a strategic mindset, deep UX/UI expertise, and the ability to translate complex financial concepts into seamless user experiences.

What you’ll Do

• Define and execute design strategies that align with business objectives and user needs.
• Lead the end-to-end design process, from discovery and research to wireframing, prototyping, and final UI execution.
• Conduct advanced user research, usability testing, and A/B experiments to validate and refine design solutions.
• Partner closely with product managers and engineers to ensure seamless implementation of designs.
• Design scalable UI components and contribute to our evolving design system.
• Advocate for accessibility (A11y) and inclusive design principles, ensuring our products serve a diverse user base.
• Create and refine micro-interactions and motion elements to improve user engagement and usability.
• Use data-driven insights to continuously improve the user experience and optimise for business impact.
• Mentor and guide junior designers, fostering a culture of excellence and innovation.
• Stay ahead of fintech trends and best practices to drive product innovation.

What you need to Succeed

• 3+ years in a senior product design role, with a strong focus on UX and a demonstrated ability to lead impactful projects
• Mastery of visual design, typography, grids, layout, and colour theory.
• Expertise in interaction design, information architecture, and user flows.
• Deep understanding of designing for both mobile and web platforms, ensuring responsive and adaptive experiences.
• Strong knowledge of behavioural psychology and how it influences user decision-making.
• Extensive experience conducting usability testing, user interviews, and heuristic evaluations.
• Ability to synthesise qualitative and quantitative insights into impactful design decisions.
• Familiarity with UX analytics tools (Google Analytics, Mixpanel, Hotjar, etc.).
• Proficiency in atomic design principles and building scalable UI frameworks.
• Strong knowledge of motion design tools (Lottie, After Effects, Principle) to create dynamic user experiences.
• Experience mentoring and guiding junior designers.
• Ability to articulate design rationale and influence stakeholders across teams.
• Comfortable working in agile, fast-paced product teams.
• Figma mastery - deep experience with auto layout, design tokens, component variants, interactive prototypes, and scalable design libraries.
• Proven experience in fintech and / or SaaS environments, with a strong understanding of industry challenges and user behaviours.

What you’ll Get

• A leadership role in shaping the future of fintech - your work will impact millions of users.
• Career growth opportunities.
• A culture of experimentation - we encourage innovative thinking and rapid iteration.
• Competitive compensation and benefits.
• Remote-friendly work culture, with access to learning resources.

go to method of application »

About the role

• As a Senior User Experience Designer, you will be responsible for executing high-quality designs for our financial products, ensuring they are intuitive, accessible, and effective.
• You will collaborate with cross-functional teams, mentor junior designers, and champion user-centred design within the organisation.
• This role requires a strategic mindset, deep UX/UI expertise, and the ability to translate complex financial concepts into seamless user experiences.

What you’ll do

• Define and execute design strategies that align with business objectives and user needs.
• Lead the end-to-end design process, from discovery and research to wireframing, prototyping, and final UI execution.
• Conduct advanced user research, usability testing, and A/B experiments to validate and refine design solutions.
• Partner closely with product managers and engineers to ensure seamless implementation of designs.
• Design scalable UI components and contribute to our evolving design system.
• Advocate for accessibility (A11y) and inclusive design principles, ensuring our products serve a diverse user base.
• Create and refine micro-interactions and motion elements to improve user engagement and usability.
• Use data-driven insights to continuously improve the user experience and optimise for business impact.
• Mentor and guide junior designers, fostering a culture of excellence and innovation.
• Stay ahead of fintech trends and best practices to drive product innovation.

What you need to succeed

• 3+ years in a senior product design role, with a strong focus on UX and a demonstrated ability to lead impactful projects
• Mastery of visual design, typography, grids, layout, and colour theory.
• Expertise in interaction design, information architecture, and user flows.
• Deep understanding of designing for both mobile and web platforms, ensuring responsive and adaptive experiences.
• Strong knowledge of behavioural psychology and how it influences user decision-making.
• Extensive experience conducting usability testing, user interviews, and heuristic evaluations.
• Ability to synthesise qualitative and quantitative insights into impactful design decisions.
• Familiarity with UX analytics tools (Google Analytics, Mixpanel, Hotjar, etc.).
• Proficiency in atomic design principles and building scalable UI frameworks.
• Strong knowledge of motion design tools (Lottie, After Effects, Principle) to create dynamic user experiences.
• Experience mentoring and guiding junior designers.
• Ability to articulate design rationale and influence stakeholders across teams.
• Comfortable working in agile, fast-paced product teams.
• Figma mastery - deep experience with auto layout, design tokens, component variants, interactive prototypes, and scalable design libraries.
• Proven experience in fintech and/or SaaS environments, with a strong understanding of industry challenges and user behaviours.

What you’ll get

• A leadership role in shaping the future of fintech - your work will impact millions of users.
• Career growth opportunities.
• A culture of experimentation - we encourage innovative thinking and rapid iteration.
• Competitive compensation and benefits.
• Remote-friendly work culture, with access to learning resources.