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  • Posted: Jul 29, 2025
    Deadline: Not specified
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  • Moniepoint is a financial technology company digitising Africa’s real economy by building a financial ecosystem for businesses, providing them with all the payment, banking, credit and business management tools they need to succeed.
    Read more about this company

     

    Senior Credit Underwriter

    About the role

    • The Senior Credit Risk Underwriter will oversee all SME loan and overdraft lending applications that require manual underwriting across a broad range of industry sectors.
    • You will be responsible for ensuring lending remains within Risk Appetite and that performance is maintained within agreed target loan loss levels.
    • Reporting to the Head of Credit Risk Analytics, you will also be expected to continually innovate and identify areas of risk and opportunity within the portfolio, leveraging key data sources and indicators to ensure effective ongoing credit risk management of the portfolio.
    • You will also work closely with a range of business partners, including Product and Data Engineering teams, to support new strategic product initiatives to drive the growth objectives of the business.

    What you’ll get to do

    • Review SME lending applications and financial data.
    • Performing credit reviews and deep-dives on the portfolio back book.
    • Drive and support change in underwriting strategy and structure.
    • Interacting with a broad range of functions and stakeholders to drive credit risk maturity across the business.
    • Facilitating Risk initiatives and pilots by reviewing credit data
    • Conducting periodic reviews of individual bad debts

    To succeed in this role, we think you should have

    • Minimum of 5 years of experience in SME underwriting in Nigeria (unsecured/secured) across a broad range of industry sectors.
    • Expert in the manual underwriting of large value lending through a broad range of data sources (e.g. Financials and Bank Statements).
    • Strong awareness of Compliance and the Regulatory environment within Nigeria.    
    • Demonstrable experience of underwriting best practice and standards..

    Relevant Skills:

    • Significant expertise in the manual underwriting of SME lending in Nigeria (essential).
    • Data driven and logical thinker.
    • Strong analytical skills
    • Excellent communication skills (verbal and written).
    • An ability to work autonomously
    • An ability to use an analytical approach to problem-solving
    • Strong team player.
    • High ethical and professional standards.

    What we can offer you

    • Culture -We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
    • Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
    • Compensation - You’ll receive an attractive salary, pension, health insurance,, Employee Stock Options, annual bonus, plus other benefits.

    go to method of application »

    Senior Data Analyst

    Job Purpose

    • This is a critical role for the business and will suit an experienced data science or credit risk analyst looking for their next step up and lead the design and delivery of credit acquisition strategy (e.g. scorecard build and cut-offs / policy rule optimisation) and analytical support within the Bank.
    • You will also be instrumental in leveraging an incredible wealth of in-house data sources to identify and uncover trends that will support tangible outcomes and ensure the lending portfolio remains within agreed loan loss rate levels.
    • You will bring ingenuity and innovation and be proactive in the identification and application of data to increase efficiency, drive decision making and support the growth objectives of the business.

    Responsibilities
    As a Senior Data Analyst, you would:

    • Lead the development of credit risk acquisition strategies including scorecard build/cut-offs, and policy rule optimisation.
    • Leverage large in-house data sources using cutting-edge analytical techniques to develop actionable insights for C-suite leaders.
    • Drive the data driven decision making culture across the Bank through continued innovation and proactive application of data analytics.
    • Collaborate with stakeholders across Product and Data Engineering on strategic growth initiatives.
    • Present insightful MI and recommendations to senior management and Credit Committees / Investors.

    Requirements

    • Minimum of 5 years of experience in an analytical role e.g. Data Science / Credit Risk (essential).
    • Advanced skills in SQL, Python (Pandas, Numpy etc.) (essential).
    • Strong hands-on expertise in model building and validation e.g. Decision Trees, Random Forests, Logistic Regression (essential).
    • Excellent communication skills with the ability to present complex analysis clearly.
    • Comfortable working independently and collaboratively across multi-disciplinary teams.
    • Awareness of Compliance within a Regulatory environment.

    Relevant Skills: 

    • Technical, data obsessed logical thinker.
    • Excellent communication skills (verbal and written).
    • An ability to work autonomously.
    • Strong team player.
    • High ethical and professional standards.

    Method of Application

    Use the link(s) below to apply on company website.

     

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