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About the role
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.
We are seeking an analytical and execution-driven Credit Risk Analyst to serve as the embedded risk owner within one of Moniepoint’s consumer lending product squads. In this role you will bring together credit policy and portfolio management analytics to ensure every product and feature balances rapid growth with robust credit risk controls.
Required Skills
Preferred Skills
Similar Skills not Listed
Responsibilities
- Lead end-to-end risk assessment design for new products and features within your squad
- Develop and maintain credit policies and decision rules aligned with company risk appetite
- Collaborate with the Decision Science team to develop credit scorecards
- Monitor portfolio quality and produce portfolio performance reports
- Partner with Decision Science to develop credit scoring models and monitor their effectiveness
- Identify and mitigate operational, fraud, and process risks in collaboration with wider teams
- Provide risk-based input on pricing, limits, and product design
- Maintain dashboards and analytics for repayment behaviour, cohort trends, and other risk KPIs
- Act as the squad’s liaison to central Compliance/Legal and escalate issues promptly
- Champion a “risk by design” culture by educating squad members on best practices
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