Who we are Moniepoint 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? <a href="https://moniepoint.com/blog">Check out posts on how we cultivate a culture of innovation, teamwork, and growth.</a> About the role The 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 do <ul> <li>Review SME lending applications and financial data.</li> <li>Performing credit reviews and deep-dives on the portfolio back book.</li> <li>Drive and support change in underwriting strategy and structure.</li> <li>Interacting with a broad range of functions and stakeholders to drive credit risk maturity across the business.</li> <li>Facilitating Risk initiatives and pilots by reviewing credit data</li> <li>Conducting periodic reviews of individual bad debts</li> </ul> To succeed in this role, you should have <ul> <li>Minimum of 5 years of experience in SME underwriting in Nigeria (unsecured/secured) across a broad range of industry sectors.</li> <li>Expert in the manual underwriting of large value lending through a broad range of data sources (e.g. Financials and Bank Statements).</li> <li>Strong awareness of Compliance and the Regulatory environment within Nigeria.    </li> <li>Demonstrable experience of underwriting best practice and standards..</li> </ul> Relevant Skills <ul> <li>Significant expertise in the manual underwriting of SME lending in Nigeria (essential).</li> <li>Data driven and logical thinker.</li> <li>Strong analytical skills</li> <li>Excellent communication skills (verbal and written).</li> <li>An ability to work autonomously</li> <li>An ability to use an analytical approach to problem-solving</li> <li>Strong team player.</li> <li>High ethical and professional standards.</li> </ul> What we can offer you <ul> <li>Culture -We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.</li> <li>Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.</li> <li>Compensation - You’ll receive an attractive salary, pension, health insurance,, Employee Stock Options, annual bonus, plus other benefits.</li> </ul> What to expect in the hiring process <ul> <li>A preliminary phone call with the recruiter</li> <li>A technical interview with a Credit Business Lead</li> <li>A behavioral and technical interview with a member of the Executive team. </li> </ul>