Pennylender
Location: Yaba, Lagos
Employment Type: Full-Time
Department: Risk Management
Job Summary
As a Risk Officer, you will be responsible for identifying, assessing, and mitigating risks associated with our lending activities. You will play a key role in safeguarding the company’s loan portfolio, ensuring compliance with internal policies and regulatory requirements, and promoting a risk-aware culture.
Key Responsibilities
- Conduct risk assessments on loan applications and recommend approvals or rejections based on creditworthiness.
- Monitor the loan portfolio to detect early warning signs of default or exposure.
- Develop and implement risk control frameworks, credit policies, and internal procedures.
- Analyze borrower behavior, repayment trends, and high-risk segments to guide credit strategies.
- Investigate and prevent fraud by validating borrower documentation and transactions.
- Ensure full compliance with regulatory requirements, including KYC, AML, and credit bureau reporting.
- Collaborate with recovery and collections teams to assess and manage delinquent accounts.
- Liaise with sales and field agents to ensure adherence to credit risk standards.
- Maintain accurate records and prepare regular risk reports for management.
- Lead or participate in risk training programs for internal teams.
- Promote a culture of compliance, accountability, and responsible lending practices.
Requirements & Qualifications
- Bachelor’s degree in Finance, Risk Management, Accounting, Economics, or a related field.
- 3+ years of experience in a credit risk or lending operations role, preferably in microfinance, fintech, or banking.
- Sound understanding of credit analysis, risk controls, and regulatory compliance.
- Strong analytical, investigative, and decision-making skills.
- Proficiency in Excel and reporting tools; experience with loan management software is a plus.
- Excellent communication and interpersonal skills.
- Certification in Risk Management or Credit Analysis (e.g., CRM, FRM) is an advantage.
What We Offer
- ₦250,000 basic salary
- Health benefits and transport allowance
- Professional growth and training opportunities
- A collaborative, innovative work culture
How to Apply: Click on this link to apply
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