Lead, Corporate Credit Risk Management

Moniepoint

Who we are Moniepoint Inc. is Africa’s all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month.  As Nigeria’s largest merchant acquirer, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually. About the role Senior Credit Underwriter will underwrite all SME, Mid-Corporate and Large Corporate lending applications that require manual underwriting within the Industry Sector.  You will also be responsible for ensuring lending remains within Risk Appetite and that performance is maintained within agreed target loan loss levels. In addition, you will work with the Head of Credit Risk Analytics and Chief Risk Officer to continually assess and define lending thresholds and parameters to ensure a balanced risk-based approach that also supports business growth objectives. Reporting to the Head of Credit Risk Analytics you will also be expected to continually innovate and identify areas of risk and opportunity within your portfolio, leveraging key data sources and indicators, whilst also leveraging your subjective matter expertise to ensure effective on-going credit risk management of the portfolio. You will also work closely with a range of business partners, including Sales, Product and Data Engineering teams to support new strategic product initiatives to drive the growth objectives of the business. Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth. Key Responsibilities  * Education and adoption of best practices in credit analysis, underwriting and monitoring, including the end-to-end underwriting process, right from early lending discussions with Sales teams to the development of credit approval memos for senior management and/or risk committee approval forums.. * Detailed review and due diligence of lending applications, including financial analysis, business projection modelling and viability, stress testing and other in-depth analysis required to support the sanctioning of large-ticket loans. * Responsible for the monitoring and portfolio health of the sector and conducting regular credit reviews and ad-hoc deep-dives to continually assess portfolio performance. * Drive positive change in the maturity of the underwriting framework and strategy.. * Continual interaction with a broad range of functions and stakeholders to drive credit risk maturity across the business. * Facilitating Risk initiatives and pilots by reviewing credit data. * Conducting periodic reviews of individual bad debts. Requirements * Significant experience underwriting SME and Large Corporate loans likely gained from a leading Financial Institution within Nigeria and primarily for businesses within the financial industry sector (must have). * Highly experienced in the end-to-end underwriting process for large ticket loans up to 5Bn NGN (must have). * Expert in the financial assessment of SME and Large Corporates using a broad range of data sources (e.g. Financials, Audited Accounts and Bank Statements etc.). * Expert in understanding headwinds and opportunities within the industry sector and must have detailed knowledge of macroeconomic and regulatory factors impacting this sector. * Experienced in the assessment of collateral and covenants to mitigate risk across secured and unsecured lending. * Strong awareness of Compliance and the Regulatory environment within Nigeria.     * Demonstrable experience of underwriting best practice and standards. Relevant Skills * Significant expertise underwriting large ticket (up-to 5Bn NGN) SME/Large-Corporate loans within Nigeria in the industry sector (essential). * Diligence and strong attention to detail. * Data driven and logical thinker. * Strong analytical skills * Excellent communication skills (verbal and written). * An ability to work autonomously * An ability to use an analytical approach to problem-solving * Strong team player. * High ethical and professional standards. What we can offer you * Culture - We put our people first and prioritise 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. * Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks. * Compensation - You’ll receive an attractive salary, plus other benefits. What to expect in the hiring process * A preliminary phone call with one of our recruiters. * A technical interview with the Head of Credit Risk * An interview with a Business lead * A behavioural and technical interview with a member of the executive team.  Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

VOLVO BUSINESS SERVICES AKTIEBOLAG

Company description: Our headquarters are in Gothenburg, Sweden. Volvo Group shares are listed on Nasdaq Stockholm." Job description:    The Global Headquarters for Volvo Financial Services is seeking a Senior Counsel, Commercial & Operations to serve as a senior legal lead for strategic and operational support across global commercial activities, credit and risk, financing products and services, governance, and core business operations. What you will do As Senior Counsel, Commercial & Operations, you will serve as the primary legal partner to the SVP Credit & Risk, designated Regional SVPs and other business leaders to provide strategic, practical legal advice on commercial matters and the development, governance, structuring, and execution of financial products and services that enable the sale of Volvo Group products. The role combines sound legal risk management with business enablement, helping deliver scalable, well-governed, and commercially effective solutions, while supporting corporate governance, legal entity management, internal controls, assurance activities, and matters requiring global legal oversight or coordination. The position will lead a small team of one Counsel and one Paralegal. You will work closely with regional Legal & Compliance colleagues on legal, governance, and policy alignment and help develop the VFS legal function through legal operations, knowledge sharing, standards, processes, capability building, and collaboration across global and market teams.

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. The role The Head of Credit Risk is a pivotal global leadership position within Adyen’s Operations function. While our Second Line defines the boundaries and Product builds the tools, Merchant Risk owns the execution. You are responsible for the day-to-day management of Adyen’s counterparty exposure originating from credit risk and chargeback risk. As the chair of the Merchant Risk Committee (MRC) and a member of the Risk Committee (RC), you are the operational voice that bridges the gap between commercial ambition and financial prudence. What you’ll do  * Global Leadership: Lead and scale a high-performing global team across Amsterdam, Singapore and Chicago. You will ensure consistency in decision-making while accounting for regional market differences. * Operational Risk Ownership: Oversee the daily monitoring and manual review of high-exposure merchants within the MPL (Merchant Potential Liability) and Credit Risk (Adyen Capital/Charge Cards) frameworks. * High-Stakes Decisioning: Act as the final operational escalation point for "edge case" approvals. You will ensure your teams are prepared and ready to present formal proposals for high-risk merchant decisions to the Merchant Risk Committee (MRC). * Strategic Influence: While Product owns the models and Second Line owns the appetite, you are the primary feedback loop. You will use operational data to influence and propose changes to Credit Models, Risk Policies, and Risk Appetite. * Collections Strategy: Direct the global Collections function, ensuring that when risks materialize, recovery efforts are swift, professional, and effective. * Stakeholder Navigation: Maintain a tight partnership with Product to ensure risk tools are fit-for-purpose and with Second Line Risk to ensure operational alignment with corporate governance. Who you are * 8+ years in an operational risk or credit leadership role within Fintech or high-volume payments. * Experience managing global, multi-region teams is preferred but not essential. * Deep understanding of the merchant lifecycle, bankruptcy risk, and the mechanics of lending/charge cards. * Excellent Communication: Ability to translate complex operational risks into clear, concise proposals for executive committees. * You don't just follow the policy—you identify when the policy is outdated and have the data-backed confidence to propose a better way forward. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status. All your information will be kept confidential according to EEO guidelines.   Additional Information This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.