Credit Risk Manager
At a glance
Manager-level Risk & Financial Compliance role at PalmPay. Ikeja · full-time.
Pay not stated Risk & Financial Compliance salary
financeroles summary, based on the employer's posting.
What you'll do
- Lead the underwriting team and keep SME loan decisions accurate and timely
- Assess complex SME proposals using financial statements, cash flow and business performance
- Approve applications against credit policy and risk frameworks, then track portfolio quality
- Spot emerging credit risks and propose steps to limit losses and defaults
- Improve underwriting standards and processes with verification, collections, sales and risk teams
What you bring
- A bachelor's degree in finance, accounting, economics, business administration or a related field
- Five to eight years in credit underwriting, credit risk or SME lending
- Experience in banking, fintech, digital lending or microfinance is required
- Strong SME credit and financial statement analysis skills, plus leadership and report writing
Who this fits
This manager role suits someone ready to lead credit underwriting and make decisions on complex SME loan applications. It is based in Ikeja, Nigeria.
From the employer
The Credit Risk / Underwriting Manager will lead the credit underwriting function for SME loans, ensuring high-quality credit decisions in line with our credit policies and risk appetite.
The role involves overseeing the underwriting team, reviewing complex credit applications, managing portfolio quality, and collaborating with Risk, Verification, Collections to minimize credit losses while supporting sustainable business growth.
Key Responsibilities
- Lead and supervise the Credit Underwriting team, ensuring timely and accurate credit decisions.
- Review and approve SME loan applications in line with the our credit policy and risk framework.
- Assess complex credit proposals, financial statements, cash flow, and business performance.
- Monitor portfolio quality, identify emerging credit risks, and recommend mitigation strategies.
- Work closely with Field Verification, Collections, Sales, and Risk teams to improve loan quality and reduce default rates.
- Develop and implement underwriting standards, policies, and process improvements.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- 5-8 years experience in credit underwriting, credit risk management, or SME lending.
- Previous experience in banking, fintech, digital lending, or microfinance is mandatory.
- Sound understanding of SME credit analysis, financial statement analysis, and lending policies.
- Excellent leadership, stakeholder management, and report-writing skills.
- Professional certifications such as ACIB, ACA, ACCA, CFA, FRM, CRCMP, or related risk/credit certifications will be an added advantage.
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