Who We Are

Moniepoint Inc. is Africa’s all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month.

As Nigeria’s largest merchant acquirer, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually.

What We Do

At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure.

Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth.

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

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 voices are heard, and we 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 and training.
• Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter.
• An interview with the hiring team.
• An interview with a member of our executive team.

Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.