Credit Risk Officer

A consumer lending organization is seeking a detail-oriented and analytical Risk Analyst to support our credit and lending operations. The ideal candidate will have strong Excel skills, a good understanding of consumer lending risk principles, and the ability to analyze loan data to support business decisions.

KEY RESPONSIBILITIES

• Analyze credit applications and loan performance trends

• Conduct basic risk assessments and provide recommendations

• Monitor default, early repayment, and portfolio quality indicators

• Assist with daily, weekly, and monthly risk reports using Excel or other tools

• Collaborate with underwriting, collections, and operations teams

• Support the development of internal credit scoring and exposure models

• Escalate unusual lending patterns or fraud red flags promptly

REQUIREMENTS

• Bachelor’s degree in Finance, Economics, Statistics, or a related field

• 1–3 years' experience in risk analysis, credit analysis, or consumer lending

• Strong Microsoft Excel skills (e.g., formulas, pivot tables, lookups)

• Familiarity with data tools (Power BI, SQL, or Google Sheets) is an advantage

• Basic understanding of credit risk, KYC, and regulatory standards

• Strong attention to detail and problem-solving mindset

• Excellent communication and reporting skills

PREFERRED QUALIFICATIONS:

· Minimum of HND/BSC degree

· Experience in a microfinance, fintech, or digital lending company

· Knowledge of basic fraud detection strategies

· Ability to work independently and meet tight deadlines