Lead Protection Officer

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. What We Do At Moniepoint, we are a customer-focused community dedicated to crafting solutions that redefine our industry. We leverage artificial intelligence and data-driven best practices to support our businesses, from providing credit and overdrafts to ensuring every transaction is secure. Curious about what makes Moniepoint an incredible place to work? Check out our stories on how we cultivate a culture of innovation, teamwork, and growth. Job Summary The Lead, Corporate Credit Risk Management is responsible for developing, implementing, and managing our credit risk framework to ensure sustainable portfolio growth, asset quality preservation, and regulatory compliance. The role oversees end-to-end credit risk management across retail, SME, and digital lending products and acts in the capacity of Head of Credit Risk, providing strategic direction, oversight, and independent challenge to business units. Key Responsibilities Credit Risk Strategy & Governance * Develop and implement the Bank’s Credit Risk Strategy in line with Moniepoint’s risk appetite, business objectives, and CBN Prudential Guidelines. * Provide leadership oversight of credit risk management  * Ensure credit risk considerations are embedded in product design, pricing, underwriting, and portfolio growth strategies. * Serve as a key advisor to Executive Management and the Board on credit risk exposures, trends, and emerging risks. * Support the Board Finance, Audit and Risk Committee (FARCo) with regular credit risk reports and insights. * Stay abreast of fintech and digital lending trends impacting credit risk management. Credit Policy & Underwriting Framework * Develop, review, and maintain the Bank’s Credit Risk Policies, underwriting standards, and approval authorities. * Ensure all lending activities comply with approved credit policies, regulatory requirements, and internal risk standards. * Oversee credit scoring models, decision engines, and manual underwriting processes for digital and non-digital loans. * Ensure appropriate segregation of duties between origination, approval, and disbursement processes. * Periodically review lending limits, sectoral exposures, and concentration risks, to ensure compliance with credit policies and risk appetite\ * Oversee the use of data, analytics, and alternative data sources to enhance credit decisioning. * Ensure credit risk controls are embedded within digital platforms, APIs, and automated workflows. * Review and validate changes to credit models, decision rules, and lending systems Portfolio Monitoring & Asset Quality Management * Monitor credit portfolio performance across products, channels, and customer segments. * Track key portfolio metrics including delinquency ratios, non-performing loans (NPLs), roll rates, vintage analysis, and write-offs. * Identify early warning signals and emerging credit risks, recommending timely corrective actions. * Oversee remedial management strategies, restructuring, recoveries, and collections escalation frameworks. * Ensure adequacy of loan loss provisioning in line with regulatory and accounting standards. Credit Risk Analytics & Reporting * Develop robust credit risk dashboards and management information systems (MIS). * Provide accurate and timely credit risk reports to: * Chief Risk Officer * Executive Management * Board Finance, Audit and Risk Committee (FARCo) * Perform stress testing and scenario analysis on the loan portfolio. * Support regulatory reporting and supervisory examinations relating to credit risk. Regulatory Compliance & Stakeholder Engagement * Ensure full compliance with: * CBN Prudential Guidelines for MFBs * IFRS 9 (where applicable) * Consumer protection and fair lending requirements * Act as a key liaison with Internal Audit, External Auditors, Regulators, and Credit Bureaus on credit risk matters. * Support regulatory examinations, audits, and implementation of audit recommendations. Team Leadership & Cross-Functional Collaboration * Lead and develop the Credit Risk team, ensuring clear roles, accountability, and performance management. * Partner closely with Product, Operations, Collections, Finance, IT, and Business teams to ensure balanced risk-return outcomes. * Provide guidance and training on credit risk principles, policy compliance, and risk ownership across the organization. * Foster a strong credit risk culture focused on discipline, data-driven decisions, and sustainability. Required Qualifications & Experience Education * Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, or related field * Master’s degree (MBA, MSc) is an advantage Professional Certifications (Preferred) * ACA, ACCA, FRM, PRM, or equivalent Experience * Minimum of 8–10 years experience in credit risk, lending, or risk management within banking, fintech, or financial services * Proven experience managing credit risk portfolios, preferably in digital or SME lending * Prior experience in a leadership or senior risk role is required Core Competencies & Skills * Strong understanding of credit risk frameworks and CBN regulations * Advanced analytical and data interpretation skills * Sound judgment and decision-making ability * Strong stakeholder engagement and communication skills * High ethical standards and independence * Ability to operate in a fast-paced, technology-driven environment What We Can Offer You * Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all voices are heard, and we 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 and training. * Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, plus other benefits. What to expect in the hiring process * A preliminary phone call with the recruiter. * An interview with the hiring team. * An interview with a member of our executive team.   Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

M-KOPA

WE ARE LOOKING FOR A SAFEGUARDING & GBV LEAD TO JOIN OUR IMPACT TEAM; AS WE SCALE UP AND DRIVE DIGITAL AND FINANCIAL INCLUSION ACROSS OUR MARKETS.   ROLE OVERVIEW Safeguarding roles in Nigeria are almost exclusively found inside NGOs and humanitarian programmes; protecting beneficiaries in crisis settings, reporting into protection clusters. This is not that. You'll be building and owning M-KOPA's internal safeguarding function inside a fast-scaling private sector company, covering a genuinely diverse workforce across commercial operations. You'll have the mandate to design prevention measures, lead cultural change, manage internal communications on safeguarding, and own the full incident lifecycle from first response through to resolution and closure. The seniority is real. So is the complexity. ABOUT US M-KOPA is one of Africa's fastest-growing fintechs — 7 million customers served, $2 billion in credit extended, and 86% of customers reporting a meaningfully improved quality of life. Behind those numbers are 2,300+ employees and 35,000 field agents working across Nigeria and four other markets. We believe every single one of them — at HQ, in the field, in our retail shops, in our warehouses, on the phones — has the right to a safe, respectful, and dignified work environment. We're building the function to make that real. This is that role. This is an on-site role, you would be working from our offices in Nigeria, partnering with a diverse group of employees from our different markets and locations across the UK, Europe and Africa. WHAT YOU'LL DO * Build awareness across all operations so that every employee from HQ staff to field sales agents across Nigeria understands our safeguarding policies, knows their rights, their obligations, and exactly how to report and ask for help; attend and monitor reporting channels to ensure no incident goes unheard or unacted upon. * Design and implement preventive measures, deliver training that genuinely shifts behaviours, champion a safeguarding culture internally, create and manage internal communications on safeguarding, and serve as the primary point of contact for survivors from first response through follow-up support, third-party referrals, and full case closure. * Conduct and support administrative investigations, liaise with law enforcement and specialist external service providers, document and manage incidents through the grievance platform, identify and mitigate risks proactively, resolve and close incidents in line with M-KOPA's global standard operating procedures, and advocate for duty of care across all people managers. WHAT YOU'LL NEED * At least 4 years of hands-on safeguarding experience with a demonstrable track record of managing sensitive cases across diverse operational environments — experience in a private sector, HR, or field-based setting is a genuine advantage. * Deep knowledge of Nigeria's legal framework and cultural context around workplace harm, with established relationships or the ability to quickly build them with relevant third parties, law enforcement, hospitals, counsellors, and specialist service providers. * Strong communication and training skills to sensitize diverse teams and drive real behaviour change, combined with the personal resilience to carry distressing, confidential situations with professionalism and care; candidates with direct experience handling GBVH and sexual violence cases will be at a significant advantage in this role given Nigeria's operational context. The honest part You will be the person employees call when something has gone wrong. You'll carry confidential, sometimes deeply distressing information, and you'll need to act on it quickly, calmly, and correctly often without a playbook, in a country where GBV is significantly underreported and where building trust with a workforce takes real time and real consistency. This role demands emotional resilience, personal discipline, and a genuine commitment to protecting people not as a concept, but as a daily practice. If that's where you find your purpose, this is the role for you. WHY M-KOPA? At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility. Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com. Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024, 2025 and 2026) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. Important Notice M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply. M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships.  M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process. Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date. If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.

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.