OPay is a mobile money platform operated by OPay Digital Services Limited and licensed by the Central Bank of Nigeria. Launched in June 2018, the company has spread its services across all 36 states in Nigeria with over 300,000 mobile money merchants. We are more than a payment company. We believe everyone should be able to enjoy financial and social inclusi...
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Job Description
- Oversee end-to-end credit risk management for mortgage loan businesses, establish and optimize mortgage risk assessment standards, policies and workflows.
- Conduct regular risk monitoring, track portfolio quality, identify potential default risks, and submit risk analysis reports and early warnings.
- Review high-value or complex mortgage credit applications, conduct due diligence on borrowers, collaterals and related documents.
- Collaborate with sales, underwriting, post-loan and legal teams to resolve risk issues, formulate risk mitigation and control measures.
- Analyze mortgage market trends, borrower credit characteristics and risk cases, continuously improve risk control models and review rules.
- Manage the mortgage risk team, arrange daily work, conduct professional training and performance evaluation.
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Job Description
Post-Loan Monitoring & Strategy Execution
- Solid hands-on experience in merchant loan post-loan monitoring; proficient in full-process monitoring key points and operational procedures of merchant credit products including overdraft loans and term loans.Able to independently formulate, optimize and implement integrated on-site + off-site post-loan management strategies and customer visitation plans. With acute risk sensitivity, capable of capturing early credit risk warning signals, predicting asset quality deterioration trends, and conducting early intervention and risk prevention.
Distressed Client Resolution, Negotiation & Collection
- Able to independently formulate resolution plans for high-risk clients (overdue and potential non-performing loans). Lead communication and negotiation with merchant clients to drive early disposal, negotiated repayment and collection of non-performing loans.Strong stress tolerance, conflict resolution capability and result-oriented mindset to maintain controllable asset quality.
Compliance Control & Process Audit
- Familiar with local credit compliance regulations in Nigeria; proficient in full-process compliance requirements for pre-loan due diligence and disbursement review.Able to independently conduct pre-loan irregularity screening and post-disbursement fund flow tracking. Meticulous in detail control to eliminate compliance risks and ensure the entire post-loan management process complies with regulatory and internal corporate requirements.
Risk Identification & Intervention
- Keen risk insight to accurately identify early credit risk warnings and asset quality deterioration trends through multi-dimensional channels including post-loan monitoring, data analysis and customer feedback. Proactively propose targeted intervention measures to mitigate risk losses.
On-Site Inspection & Asset Verification
- Extensive practical experience in field visits and merchant inventory verification. Adopt a combined model of on-site inspection and remote verification to accurately verify the authenticity and accuracy of clients’ operating status and asset information, providing reliable basis for risk judgment.
Cross-Team Coordination & Management
- Effectively guide and supervise the sales team to implement daily post-loan management requirements. Promote in-depth participation of the sales team in repayment tracking, reminder and collection follow-up. Establish a closed-loop collaboration mechanism between post-loan management and sales teams to improve overall post-loan management efficiency.
Data Statistics & Report Delivery
- Proficient in Excel and credit risk reporting tools; efficiently complete post-loan data statistics and risk trend analysis, and deliver accurate post-loan management reports to support management decision-making.
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Key Responsibilities
Risk Policy & System Construction
- Establish and optimize distributor financing risk management policies, credit evaluation standards, risk rating rules and business operation processes targeting FMCG dealer channel scenarios. Continuously iterate risk control standards according to local market competition, dealer operating characteristics and regulatory requirements to match local channel financing business development.
Dealer Credit Underwriting & Due Diligence
- Lead offline field due diligence on downstream distributors, verify dealer’s operating scale, sales volume, inventory status, cash flow, credit record and related guaranty conditions. Responsible for credit limit approval, term setting and risk pricing of medium and large distributor financing projects, accurately identify channel credit risks.
Portfolio Risk Monitoring & Early Warning
- Undertake daily monitoring of the overall channel financing asset portfolio, track key indicators including dealer repayment status, overdue rate, inventory turnover, channel sales deviation and concentration risk. Establish risk early warning mechanism, identify abnormal dealers and potential default risks in advance, and issue targeted risk prompt and control suggestions.
Risk Mitigation & Default Disposal
- Formulate risk mitigation measures for high-risk customers and abnormal businesses. Cooperate with sales, operation, legal and post-loan teams to carry out overdue collection, debtor negotiation, asset verification and recourse disposal. Summarize typical channel risk cases and form standardized disposal schemes.
Data Analysis & Risk Optimization
- Regularly analyze channel financing business data, dealer default rules and industry risk characteristics, output periodic risk analysis reports. Optimize credit evaluation models, dealer access standards and post-loan management strategies to reduce overall portfolio risk rate.
Team & Business Coordination
- Manage the channel risk control team, arrange daily review, monitoring and case disposal work, conduct professional skill training. Cooperate with KA sales, credit approval and post-loan teams to unify risk judgment standards and balance business development and risk control.
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Key Responsibilities
Credit Business Legal Compliance Management
- Sort out and interpret local financial laws, regulations and industry supervision rules in Nigeria, formulate, revise and optimize credit business legal management systems, compliance guidelines and risk prevention mechanisms. Conduct regular legal compliance inspections on financing, lending, guarantee and credit approval links to eliminate operational legal risks.
Legal Document Review & Standardization
- Responsible for the drafting, review and revision of all credit-related legal documents, including distributor financing agreements, loan contracts, mortgage pledge contracts, guarantee contracts, credit commitment letters and other supporting documents. Optimize standardized contract templates for supply chain finance and mortgage credit businesses, control contractual legal risks from the source.
Post-loan Legal Disposal & Recourse
- Provide legal support for overdue and non-performing credit assets. Guide the risk and operation teams in debt negotiation, repayment restructuring, collateral seizure, verification and disposal. Formulate legal recourse plans for default projects, maximize the recovery of non-performing assets and reduce business losses.
- Litigation & Arbitration Handling
- Independently handle all credit-related legal disputes, litigation, arbitration and enforcement cases. Be responsible for case filing, evidence sorting, court response and follow-up enforcement work, and ensure the legitimate rights and interests of the company are protected. Cooperate with external law firms to manage outsourcing legal cases efficiently.
Legal Risk Early Warning & Case Summary
- Track typical legal risk cases in credit and supply chain financing businesses, summarize risk characteristics and pain points, and put forward targeted prevention and optimization suggestions. Conduct regular legal training for business and risk teams to improve the overall legal risk awareness of the team.
Cross-departmental Legal Support
- Provide professional legal consultation and support for credit product design, business policy iteration, customer access and risk mitigation schemes. Cooperate with risk control, sales and finance teams to balance business expansion and legal compliance.
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Job Description
- KA Project Risk Control: Design risk solutions, conduct comprehensive risk analysis and data analysis, evaluate debt-servicing capacity, and prepare risk review reports.
- Industry Analysis: Carry out industry research and in-depth analysis on target industries, and draft research reports.
- Post-loan Management: Assist legal and sales teams in collection efforts for overdue accounts and conduct debt-servicing analysis.
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Job Description
Daily Post-loan Management & Overdue Follow-up
- Responsible for regular post-loan inspection of mortgage and distributor financing clients, track customer operating status, repayment ability and fund usage. Conduct hierarchical follow-up for early-stage, medium-stage and long-term overdue accounts, carry out telephone collection and on-site dunning, and urge customers to perform repayment obligations on time.
Collateral Management & Disposal
- Conduct regular verification, inspection and status confirmation of mortgaged assets including real estate, equipment, inventory and other pledges. Monitor collateral occupancy, damage, transfer or hidden risks. Responsible for collateral valuation, seizure, custody, auction and liquidation disposal for defaulted projects to realize collateral monetization and loss offset.
Creditor’s Rights Confirmation & Recourse
- Sort out and confirm company’s creditor’s rights amount, guarantee relationship and debt structure for overdue and non-performing assets. Complete creditor rights registration, evidence sorting and rights preservation work. Conduct debt negotiation, repayment restructuring, installment settlement and other recourse measures with default customers to recover outstanding funds.
Legal & Litigation Cooperation
- Cooperate with the legal team to sort out case materials, complete filing, arbitration, court enforcement and asset freezing procedures. Assist in litigation evidence collection, on-site property investigation and debtor track. Fully support legal proceedings to ensure smooth progress of judicial recourse and asset execution.
Risk Case Recording & Data Analysis
- Establish and maintain standardized disposal ledgers for overdue, non-performing assets, collateral and creditor rights. Regularly sort out disposal progress, recovery rate, loss rate and key difficulties. Summarize disposal experience and form case analysis reports to support risk policy optimization.
Closed-loop Risk Disposal
- Formulate targeted disposal plans for different types of default scenarios including customer operation deterioration, capital chain rupture and collateral value shrinkage. Track the whole process until account closure, realize full closed-loop management of post-loan risk disposal.
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Job Description
- Develop and deliver structured training programs for new and existing field verification officers
- Train staff on customer verification processes, due diligence standards, and fraud detection techniques
- Conduct onboarding training for new field verification recruits
- Ensure compliance with company policies, regulatory guidelines, and SOPs
- Update training materials regularly based on policy changes and operational feedback
- Provide one-on-one coaching and corrective training where necessary
- Collaborate with operations and compliance teams to improve verification quality
- Maintain training records, attendance, and performance reports
- Support field audits and quality assurance checks when required
Method of Application
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