Job Description

Full job descriptionWho we areMoniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.Since 2019, Moniepoint's technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria.Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.About the roleThe 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 doReview 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 dataConducting periodic reviews of individual bad debts