Credit Risk Analyst at Tailored Talent – Ajah, Lagos, Nigeria

Job DescriptionJob OverviewOur client, in the Microfinance / financial service institution, is seeking a highly analytical and detail-driven Credit Risk Analyst to join their Credit & Risk team. The successful candidate will play a critical role in assessing loan applications, evaluating creditworthiness, and monitoring portfolio quality across consumer/personal and SME loan segments. This role requires a balance of sound credit judgment, data analysis, and risk management to ensure sustainable portfolio growth and minimal default rates.Key ResponsibilitiesCredit Assessment & UnderwritingConduct comprehensive credit analysis of consumer and SME loan applications.Review financial statements, cash flows, and bank statements to evaluate repayment capacity.Ensure credit recommendations comply with internal risk policies and regulatory guidelines.Support the loan approval process through detailed credit memos and risk assessments.Recommend appropriate loan structures, pricing, and collateral requirements based on borrower risk profile.Portfolio Monitoring & Risk ManagementMonitor loan portfolio performance and track key credit metrics such as PAR, NPL ratio, and default trends.Identify early warning signals and recommend preventive or corrective actions.Support the development and refinement of credit risk models, scoring frameworks, and policy updates.Reporting & InsightsPrepare regular reports on credit portfolio quality, loan performance, and risk exposure for management review.Provide insights on customer behaviour, loan utilization, and sectoral performance trends.Collaborate with collections and recovery teams to reduce delinquency and improve overall credit performance.QualificationsEducation: Bachelor’s Degree (B.Sc) in Finance, Economics, Accounting, Business Administration, or related field.Experience: 2–4 years’ experience in credit analysis, credit risk, or underwriting within a microfinance bank, fintech, or financial institution.Solid understanding of credit principles, risk assessment methodologies, and lending to individuals and SMEs.Strong analytical and quantitative skills with proficiency in MS Excel and financial analysis.Working knowledge of loan management systems or credit decision platforms is an advantage.Excellent communication, documentation, and report-writing skills.Detail-oriented, proactive, and able to work effectively under pressure.