Credit Risk Analyst
Moniepoint · Consumer lending squad
- Financial Analyst
- Lagos
- 3+ years
At a glance
About the company
Moniepoint describes itself as Africa's all-in-one financial platform, with payments, banking, credit and business tools. About 20 million businesses and individuals use it every month. It is Nigeria's largest merchant acquirer, and its subsidiaries process over $250 billion in digital payments a year.
Description
You are the risk owner inside one of Moniepoint's consumer lending squads. You will:
- Lead risk reviews for new lending products and features
- Write and update credit policies and decision rules that match the company's risk appetite
- Build credit scorecards and scoring models with the Decision Science team
- Track loan book quality, with dashboards on repayment, cohorts and risk KPIs
- Spot fraud, process and operational risks, and advise on pricing, limits and product design
- Work with Compliance and Legal, and raise issues when needed
Qualifications & Skills
Must have 6
- 3+ years in consumer credit portfolio management
- Hands-on credit risk work, such as tuning who gets approved and managing the loan book
- SQL
- Knowledge of CBN guidelines, AML/CFT rules and data protection
- Able to balance growth targets with risk appetite
- Clear communication with product and engineering teams
Nice to have 2
- Python, especially NumPy and Pandas
- Financial analysis skills
How to stand out for this job
Written by our team from the employer's post. Work through it in order, then apply.
1What they actually want
Our plain-words read of this job. It explains the job, not the employer's own words.
This job puts a risk analyst inside a product team that lends money to consumers. The squad wants to grow fast, and your role is to make sure that growth does not turn into bad debt. Each week you watch how loans are repaying and update the dashboards on cohorts and risk KPIs. You also adjust the credit rules that decide who gets a loan. When the squad plans a new feature, you review its risks before it launches.
Because you sit with product and engineering people, Moniepoint wants someone who explains risk clearly and can still say yes to good ideas. They ask for three or more years in consumer credit, solid SQL, and a working knowledge of CBN and AML rules. Python is a bonus. To stand out, show a credit rule or scorecard you changed, and what then happened to approval and default rates.
2Words to use in your CV
Use the words that are true for you. The dark ones matter most for this job.
- credit risk
- consumer lending
- portfolio management
- credit policy
- decision rules
- scorecards
- risk appetite
- cohort analysis
- repayment behaviour
- SQL
- Python (Pandas)
- CBN guidelines
- AML/CFT
- risk KPIs
4Tailor your portfolio
Make a copy of your portfolio for this job and lead with these three projects. Give the problem, the data, the tools and the result as a number.
- 01
A cohort repayment dashboard
Loans grouped by month of issue, showing how each group repays over time.
- 02
A simple credit scorecard
A scorecard built on a public loan data set, with the cut-off you chose and why.
- 03
A product risk review
A one-page risk review of a made-up lending feature, with limits and controls.
3Tailor your CV
- Headline“Credit Risk Analyst | Consumer Lending, SQL, Portfolio Analytics”
- SummaryOpen with your years in consumer credit and the size of the loan book you watched.
- OrderPut credit policy and portfolio work first. Move general finance duties lower.
- Show the trade-offGive one example where you grew approvals and still kept defaults in check.
- Show regulationName the CBN or AML rules you applied in your work.
BeforeMonitored loan performance.
AfterRebuilt approval rules for a ₦2 billion consumer loan book, raising approvals by 12% while 30-day defaults stayed under 3%.
Example only. Use your own real numbers.
5Learn the missing skill
SQL and Python for Data Analysis
Live cohort · Starts 4 Nov 2026
₦200,000 or 4 × ₦50,000
6Before you apply
Apply on Moniepoint's careers page
You'll leave Exalda. Your application goes straight to the employer, and we never charge you to apply.
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