60 Collateral Management jobs in Nigeria

JOB OBJECTIVE

We are seeking a detail-oriented and analytical
Credit Risk Analyst

with experience in
e-commerce, payments, or financial services

. The ideal candidate will be responsible for assessing creditworthiness, analyzing risk exposures, and developing models that enable the business to make informed, data-driven lending and transaction decisions. This role plays a critical part in safeguarding revenue, reducing losses, and ensuring regulatory compliance.

KEY RESPONSIBILITIES

Credit Assessment & Analysis

• Conduct thorough credit assessments for individuals, merchants, and businesses.
• Analyze financial statements, transaction data, and behavioral trends to evaluate credit risk.
• Develop and maintain credit scoring models tailored to e-commerce and payment ecosystems.

Risk Monitoring & Reporting

• Monitor portfolio performance and identify early warning signs of credit deterioration.
• Prepare risk reports, dashboards, and insights for management and regulatory purposes.
• Track key credit KPIs such as default rates, recovery performance, and portfolio health.

Policy & Process Development

• Assist in designing and implementing credit risk frameworks, policies, and limits.
• Recommend adjustments to underwriting standards, lending criteria, and collection strategies.
• Ensure compliance with internal risk appetite and external regulatory requirements.

Cross-Functional Collaboration

• Work closely with product, operations, compliance, and data teams to integrate risk controls.
• Provide insights on new product launches, merchant onboarding, and payment solutions.
• Partner with business development teams to balance risk with growth opportunities.

Data & Model Management

• Utilize statistical models, credit scoring techniques, and predictive analytics to optimize credit decisions.
• Continuously improve data quality, risk parameters, and system efficiency.
• Support automation of credit processes and decision-making frameworks.

KEY SKILLS

• Strong analytical and quantitative skills, with proficiency in Excel, SQL, or statistical tools.
• Solid knowledge of
  credit risk management within e-commerce, payments, or financial services

.
- Familiarity with credit scoring, fraud detection, and portfolio monitoring.
- Strong communication and stakeholder engagement skills.
- Ability to work under pressure and manage multiple priorities.
- High integrity and attention to detail.

QUALIFICATION

• Bachelor's degree in Finance, Economics, Statistics, Data Science, or related field.
• 2–5 years of credit risk analysis experience, preferably in
  e-commerce, fintech, or financial services

.
- Knowledge of credit scoring methodologies, regulatory guidelines, and risk models.
- Experience with risk management software and credit decisioning systems is an advantage.

KPIs

• Accuracy of credit risk assessments and models.
• Portfolio quality (e.g., default/delinquency rates).
• Speed and efficiency of credit decision-making.
• Compliance with regulatory and internal credit policies.
• Contribution to business growth while minimizing losses.

To apply, please send your CV, salary expectations, and a short note on why you're the right fit to

Location: Lagos (Hybrid/On-site as required)

Employment Type: Full-Time

Role Overview

We are seeking an experienced Credit Risk Manager to lead Shecluded's credit risk strategy, ensuring loans and financial products are structured, disbursed, and monitored in line with company objectives and regulatory requirements. The role involves assessing creditworthiness, minimizing default risks, and ensuring sustainable loan portfolio growth.

Key Responsibilities

• Develop and implement credit risk policies, frameworks, and assessment models.
• Review and approve loan applications within assigned limits.
• Monitor credit portfolio performance, identify high-risk exposures, and recommend mitigation strategies.
• Ensure compliance with internal policies and Nigerian financial regulations.
• Conduct risk assessments for new loan products and partnerships.
• Prepare credit risk reports and present insights to senior management.
• Work closely with Loan Recovery Officers to minimize default rates.

Key Requirements

• Bachelor's degree in Finance, Economics, Accounting, or related field; professional certifications (e.g., ACA, CFA, CRM) are an added advantage.
• 4+ years' experience in credit risk management, preferably in fintech, banking, or microfinance.
• Strong analytical and financial modeling skills.
• Knowledge of credit risk frameworks, regulatory compliance, and portfolio monitoring tools.
• Excellent communication and leadership skills.

What We Offer

• Chance to shape credit strategy in a fast-growing fintech.
• A collaborative, innovative work environment.
• Competitive salary, HMO, and other benefits.

Job Type: Full-time

Pay: ₦200, ₦250,000.00 per month

Today

R

Lagos Full Time

Banking, Finance & Insurance Confidential

• Minimum Qualification :
• Experience Level : Entry level
• Experience Length : 1 year

Company Description

Reform Capital Solutions (Recapss) is an alternate investment and advisory firm specialising in structured finance for infrastructure. We provide bespoke capital solutions, including bridge facilities, asset-backed instruments for SME financing, and syndicated financing for real estate acquisitions.

Role Description

This is a full-time hybrid role for a Credit Risk Manager at Recapss. The Credit Risk Manager is responsible for developing and overseeing X's risk management framework, with a focus on credit exposures related to receivables, escrow structures, developer partnerships, and bank/bridge financing arrangements. The role ensures that all transactions are structured with proper risk controls, credit assessments, and compliance to protect the company and its investors.

Key Responsibilities:

Risk Assessment & Analysis

• Evaluate creditworthiness of developers, buyers, and counterparties before onboarding.
• Conduct cash flow analysis and stress tests on receivables and escrow structures.
  Set credit limits and risk tolerances for transactions.

Transaction Structuring

• Work with deal structuring and finance teams to design risk-mitigation features (escrow, trustee arrangements, guarantees, insurance, etc.).
• Advise on deal structuring, ensuring investor protection and acceptance.
  Identify risks and recommend safeguards.

Monitoring & Reporting

• Develop systems for continuous monitoring of receivables performance and counterparty risk.
• Track compliance with covenant terms, escrow agreements, and repayment schedules.
  Prepare regular risk reports for management, lenders, and investors.

Policy & Framework Development

• Establish and update on risk management policies, credit approval processes, and due diligence checklists.
• Implement early warning systems for potential defaults or liquidity gaps.
  Ensure compliance with local regulatory guidelines (CBN, SEC, FMDQ) and international risk standards.

Stakeholder Engagement

• Liaise with banks, trustees, rating agencies, insurers, and legal partners to ensure robust credit structuring.
  Support investor communications with clear articulation of risk/return profiles.

Key Skills

• Excellent analytical and financial modelling skills.
• Strong grasp of risk management frameworks and credit scoring models.
• Negotiation and stakeholder management skills.
• High attention to detail, with ability to identify and mitigate complex risks.
  Strong communication and report-writing abilities.

Qualifications

• Bachelor's degree in Finance, Economics, Risk Management, Accounting, or related field.
• Professional certifications such as CFA, FRM, PRM, or ACA will be an added advantage.
• Minimum of 1 year+ experience in credit risk, preferably in banking, investment, or structured finance.
• Strong knowledge of credit analysis, escrow/trustee structures, securitization, and receivables financing.
  Experience with financial regulations and structures.

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Role Description

This is a full-time on-site role for a Credit Risk Analyst located in Lagos. The Credit Risk Analyst will be responsible for assessing and managing credit risk, conducting risk analysis, and managing portfolios. Day-to-day tasks include analyzing financial statements, evaluating the creditworthiness of clients, developing risk mitigation strategies, and preparing detailed reports on credit risk assessments.

Qualifications

• Analytical Skills and Risk Analysis experience
• Proficiency in Credit Risk Management and Portfolio Management
• Finance knowledge and understanding
• Excellent written and verbal communication skills
• Strong attention to detail and ability to work in a team environment
• Bachelor's degree in Finance, Economics, Business Administration, or related field
• Previous experience in the financial industry is a plus

Job Title: Credit Risk and Recovery Officer

Location: Lagos, Nigeria

Job Mode: Hybrid

Compensation: N400,000 - N600,000 monthly

Job Summary:

Our Client is a leading financial services company focused on providing a comprehensive suite of financial solutions, including loans, investment products, and advisory services.

We are looking for a seasoned Credit Risk and Recovery Officer to manage our loan portfolio and minimize financial losses. The successful candidate will have a strong background in risk assessment and debt recovery, with a meticulous approach to ensuring the health of our credit facilities. This role is vital for maintaining the stability and profitability of our client's lending operations.

Key Responsibilities:

• Evaluate credit applications and conduct thorough risk assessments to determine client eligibility for loans.
• Manage a portfolio of loans, proactively identifying and mitigating potential risks.
• Develop and execute strategies for the effective recovery of delinquent and non-performing loans.
• Liaise with clients to negotiate repayment plans and resolve outstanding debt issues.
• Maintain accurate records of all loan activities, communications, and recovery efforts.
• Collaborate with the legal team on cases requiring advanced recovery actions.
• Provide regular reports on portfolio performance, risk levels, and recovery efforts to senior management.

Qualifications and Requirements:

• Bachelor's degree in Finance, Economics, Law, or a related field.
• A minimum of 4 to 5 years of serious, hands-on experience in credit risk management and debt recovery, preferably in a financial institution.
• Deep understanding of credit principles, risk analysis, and loan recovery processes.
• Excellent negotiation and problem-solving skills with a firm yet professional demeanor.
• Strong analytical skills with an eye for detail.
• Proficiency in credit management software.

Job Types: Full-time, Permanent

Pay: ₦400, ₦600,000.00 per month

Job Summary

The Credit Risk Analyst is responsible for evaluating the creditworthiness of potential and existing clients by analyzing financial data, credit history, and market trends. This role helps mitigate financial losses by ensuring that credit risks are properly assessed, monitored, and managed in line with the organisation's risk appetite and regulatory obligations.

Location: Lekki Phase 1

Salary: N300,000 - N350,000

Work days: Mondays - Fridays | 8 AM - 5 PM

Work mode: Fully onsite

Key Responsibilities

• Conduct comprehensive credit risk assessments for loan applications and existing portfolios.
• Analyze customer financial statements, credit reports, and repayment capacity to determine risk levels.
• Develop and maintain internal credit scoring models, dashboards, and risk matrices.
• Recommend appropriate credit limits, loan terms, and risk mitigation strategies.
• Monitor existing loan portfolio for warning signs of delinquency or default.
• Prepare periodic reports on credit risk exposure and trends for senior management.
• Collaborate with underwriting, collections, legal, and business development teams to support sound lending decisions.
• Ensure credit policies and procedures align with regulatory requirements (CBN, SEC, NDIC) and company objectives.
• Assist in stress testing, scenario analysis, and capital adequacy reviews.
• Stay up to date on industry developments, macroeconomic conditions, and changes in credit risk regulations.

Requirements:

• Bachelor's degree in Finance, Economics, Accounting, Statistics, or related field.
• A Master's degree or certification (e.g., CFA, FRM) is a plus.
• 2–4 years of experience in credit risk analysis, preferably in a financial services or fintech environment.
• Strong financial analysis, forecasting, and modeling skills. Proficient in Excel and credit risk assessment tools.
• Familiarity with credit bureau databases, scoring models, and risk management systems. Knowledge of SQL or data analytics tools is an advantage.
• Understanding of Nigerian regulatory frameworks (CBN, BOFIA, FIRS, NDIC) related to credit and lending.
• High level of accuracy, accountability, and diligence in analyzing and presenting credit data.

Job Type: Full-time

Pay: ₦300, ₦350,000.00 per month

Ability to commute/relocate:

• Lagos: Reliably commute or planning to relocate before starting work (Required)

Education:

• Undergraduate (Required)

Experience:

• Credit Risk: 3 years (Required)

Location:

• Lagos (Required)

Company Description

AB Microfinance Bank Nigeria is a leading financial institution dedicated to providing a broad array of financial services to small and medium scale enterprises as well as lower-income individuals in Nigeria. The bank strives to support economic growth and is committed to improving financial inclusion within the country. By catering to the financial needs of underserved communities, AB Microfinance Bank Nigeria plays a vital role in fostering entrepreneurship and stability.

Role Description

This is a full-time on-site role for a Credit Risk Analyst, located in Lagos. The Credit Risk Analyst will be responsible for evaluating credit applications, assessing clients' financial status, and managing credit risk. Other day-to-day tasks include conducting risk analysis, monitoring credit portfolios, and preparing risk reports. The role requires a thorough understanding of credit risk management principles to ensure the bank's portfolio remains healthy and compliant with regulatory standards.

Qualifications

• Analytical Skills and Risk Analysis skills
• Credit Risk Management and Portfolio Management experience
• Expertise in Finance
• Excellent communication and interpersonal skills
• Strong attention to detail and problem-solving abilities
• Ability to work effectively in a team and independently
• Proficiency in financial analysis tools and software
• Bachelor's degree in Finance, Economics, Business Administration, or related field

Today

B

Lagos Full Time

Banking, Finance & Insurance Confidential

• Minimum Qualification :
• Experience Level : Senior level
• Experience Length : 5 years

Head of Credit Risk (MFB/Fintech)

Our client is seeking a strategic and hands-on Head of Credit Risk to lead the design and implementation of their credit risk framework from the ground up. As a founding team member in a CBN-licensed Microfinance Bank, you will own the full credit lifecycle—from policy and product design to portfolio monitoring and recovery. You must have strong analytical instincts, deep regulatory awareness, and the drive to build sustainable credit operations in a startup environment.

Job Type: Full Time/Permanent

Workplace: Hybrid

Location: Lagos, Nigeria

Requirements

• Minimum of 5 years post-qualification experience in credit, risk management, or lending.
• At least 2 years in a managerial or supervisory role in a financial institution (preferably in microfinance, commercial banking, or digital lending).
• Proven experience in credit risk assessment, policy formulation, and portfolio management.
• Bachelor's degree (required); a Master's degree or professional certification (e.g., CIBN, ICAN, ACCA, CRMP, PRM, or CFA) is an added advantage.
• In-depth understanding of CBN guidelines, internal control frameworks, AML, KYC, and risk management practices.
• Strong leadership, communication, and interpersonal skills.
• Excellent analytical, problem-solving, and decision-making capabilities.
• Strong analytical, risk modeling, and decision-making skills.
• Experience designing and refining credit products for SMEs or individuals.
• Familiarity with credit bureau APIs, digital KYC tools, and loan management systems.
  Comfortable working in a fast-paced, tech-enabled environment.

Responsibilities

Credit Risk Management & Policy

• Develop and enforce a credit risk management framework aligned with CBN guidelines.
• Define credit policies, approval limits, risk appetite, and credit scoring rules.
  Maintain credit product documentation and ensure compliance with internal policies and regulatory requirements.

Portfolio Monitoring & Reporting

• Monitor key metrics (e.g., PAR, NPL ratios, write-offs) and proactively address emerging risks.
• Design early warning systems and stress-testing tools.
  Generate internal and external (e.g., CBN) risk reports and dashboards.

Product & Process Design

• Collaborate with Product, Tech, and Data teams to embed risk controls into loan origination and disbursement flows.
  Drive automation in credit scoring and decision-making, using credit bureau and behavioral data.

Collections & Recovery Strategy

• Design collections framework for pre-delinquency, early and late-stage arrears.
  Oversee recovery actions, including restructuring, write-offs, and legal escalation.

Team Leadership

• Build, lead, and mentor the credit operations team.
  Train credit officers on underwriting, monitoring, and collections best practices.

Benefits

• Competitive salary and compensation package
• Full medical coverage
• Fully covered parental leave
• Leadership in a growing financial institution
  Smart, kind colleagues who're invested in your growth

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Today

E

Rest of Nigeria (Nationwide)

Confidential

• Minimum Qualification :

Job Description

Business and Financial performance

• Ensure unit's budget is not exceeded and the bank assets are well protected as much as possible
• Ensure NPL of Bank loan portfolio remains within acceptable threshold
• Review and approve credit requests.
• Ensure that Credit Applications (CAs and Cable CAs) meet the minimum standard requirement.
• Ensure the credit request is structured in line with the Bank's Credit Policy and complies with the CBN guidelines.
• Ensure all identified risks are properly and adequately mitigated
• Review and approve new product papers and other bank credit related products.
• Participate in TMC / RAC target market preparation for the Corporate Banking/Consumer & Commercial Banking and Product Papers.
• Review Obligor Risk Ratings and Financial Risk Ratings to ensure that they are appropriately derived by ensuring completeness and accuracy of information used to populate the various cells in Moody's Credit Lens rating model.
  Work with Credit Officers in the development of appropriate Risk Assets Acceptance Criteria (RAAC) to support business development and to adequately safeguard the Bank's risk assets.

Customer Excellence

• Attend calls and customer visitation with the Relationship Management team.
• Ensure adherence to approved credit approval TAT
  Motivate, share ideas and provide on-the-job training for Credit Analysis.

Leadership and people management

• Train the relationship managers and credit officers of the bank.
  Build relationships with business Managers to improve quality of business proposals and turnaround time on credits to be evaluated.

Process, control and operational performance

• Defines for the team which business relationship is appropriate with other business units.
• Drives business effectiveness with a balance between external customer relations and the bank's need for risk management in mind.
• Review the Bank's credit procedures and make recommendations for improvement on continuous basis in line with the changes in business outlook.
• Review the portfolio on periodic basis and make recommendation for improvement in the areas of asset quality, product concentration, obligor concentration, industry / sector concentration, collateral adequacy, taking adequate provisioning in line with the Ecobank Group credit policy and Central Bank of Nigeria's prudential guideline in addition to other tasks as may be required.
  Ensure credit approval process comply with Ecobank Group credit policy.

Strategic initiatives

• Study and analyse on a continuous basis, the political, socio-economic terrain and use results therein to make recommendation on the portfolio-mix products by sectors and business segment.
• Set the overall credit risk strategy, risk appetite and risk capacity for the affiliate.
• Define the portfolio strategy and risk acceptance criteria for the Bank.
  Participate in credit portfolio reviews, scenario analysis and stress testing, and communicating the results to the relevant stakeholders

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