Senior Credit Risk Analyst

Senior Credit Risk Analyst

Kaplo Africa is seeking a highly analytical and commercially minded Senior Credit Risk Analyst to join their team in Abuja. This role involves conducting credit assessments, analyzing financial data, and supporting informed credit decisions.

Responsibilities

• Conduct comprehensive credit assessments for individuals, SMEs, and corporate customers.
• Review loan applications, financial statements, bank statements, cash flows, and other relevant credit information.
• Analyze borrowers' financial capacity, repayment ability, leverage, liquidity, profitability, and cash-flow position.
• Prepare detailed credit appraisal reports and make clear recommendations for approval, restructuring, reduction, or decline.
• Identify key credit risks and recommend appropriate mitigants, conditions precedent, and monitoring requirements.
• Monitor existing loan portfolios and identify early warning signals of potential deterioration.
• Support the development and implementation of credit risk policies, procedures, and underwriting standards.
• Work closely with various teams such as Credit, Risk, Collections, Finance, Business Development, and Operations.
• Participate in the review and improvement of credit scoring models, risk-rating methodologies, and credit decision frameworks.
• Ensure compliance with internal credit policies, regulatory requirements, and approved risk appetite.
• Prepare periodic credit risk reports for senior management and relevant committees.
• Conduct post-disbursement reviews and recommend appropriate risk-control actions.

Requirements

• Bachelor's degree in Accounting, Finance, Economics, Statistics, Mathematics, Business Administration, or a related discipline.
• Professional qualification such as CFA, ACCA, ICAN, CIBN, FRM, or equivalent will be an advantage.
• Minimum of 5–8 years' relevant experience in Credit Risk/Credit Analysis, preferably within commercial banks, merchant banks, finance houses, microfinance banks, lending companies, fintech/lending fintechs, asset/investment management, or other regulated financial institutions.
• Strong experience in credit appraisal, financial analysis, underwriting, and portfolio risk management.
• Excellent understanding of financial statements and ability to interpret financial performance and cash-flow trends.
• Strong knowledge of credit risk principles, lending practices, and risk mitigation techniques.
• Experience analyzing both SME and corporate credit will be an advantage.
• Strong proficiency in Microsoft Excel and financial modeling.
• Excellent analytical, numerical, and problem-solving skills.
• Strong report-writing and presentation skills.
• Ability to challenge assumptions and make objective, evidence-based credit recommendations.
• High attention to detail, integrity, and sound professional judgment.

Salary

• Competitive salary of N800,000 – N1,000,000 monthly, depending on experience and capability.

How to Apply Interested and qualified candidates should send their CVs to kaploafrica@gmail.com using “Senior Credit Risk Analyst – Abuja” as the subject of the mail.