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.

Lyft

At Lyft, our purpose is to serve and connect. We aim to achieve this by cultivating a work environment where all team members belong and have the opportunity to thrive. Lyft is looking for a seasoned Sr. Manager, Accounts Payable, tto join our Controllership organization. In this high-impact leadership role, you will own Lyft’s end-to-end AP, which includes the T&E and corporate card programs. The role spans domestic and international operations—and serves as a key strategic and operational leader overseeing how the company pays its corporate suppliers, manages vendor relationships, and scales its procure-to-pay processes. You will lead a team of managers and individual contributors located across multiple locations, and partner closely with Finance, Procurement, Treasury, Legal, Tax, and the broader business to ensure operational and compliance excellence at scale. This role is uniquely positioned at the intersection of operational rigor, global expansion, and financial transformation—making it ideal for a leader who thrives on building world-class teams, deploying automation intelligently, and delivering best-in-class supplier experiences. RESPONSIBILITIES: * Team Leadership & Development * Lead, mentor, and develop a multi-layered team of AP managers and staff distributed across the multiple locations, fostering a culture of accountability, continuous improvement, and growth. * Set clear performance expectations, provide regular coaching and feedback, and support career development pathways for all direct and indirect reports. * Build organizational capacity by identifying skill gaps, championing training initiatives, and creating succession plans for critical roles. * Model Lyft’s values and leadership principles, cultivating a high-trust, inclusive, and results-oriented team environment. * AP and T&E Operations & Procure-to-Pay * Collaborate with business partners on the full end-to-end procure-to-pay cycle including Global Supply Management and Procurement Operations team for purchase requisitions and purchase orders, while managing global Accounts Payable processes related to invoice processing, three-way matching, payment execution, and supplier aging management and reconciliations. * Design and enforce AP and T&E policies, procedures, and controls that maintain compliance with GAAP, internal audit requirements, and SOX frameworks. * Oversee timely and accurate processing of high volumes of invoices and payments across multiple currencies and legal entities. * Oversee timely and accurate processing of employee expense reports and reimbursement across multiple currencies and legal entities. * Oversee employee credit card programs across multiple currencies and legal entities. * Partner with Treasury on cash flow forecasting, payment terms optimization, and working capital management. * Partner with Procurement Operations to ensure ongoing compliance with vendor master data integrity and maintenance of strong controls around vendor changes. * International Expansion & M&A * Lead AP and T&E integration workstreams for mergers, acquisitions, and new market entries, including collaboration with new entities to assist standing up functions and system integrations. * Develop scalable global AP and T&E frameworks that can be rapidly deployed to new geographies while remaining compliant with local regulatory requirements. * Collaborate with Tax, Legal, and Corporate Development on cross-border payment structures, withholding tax considerations, and statutory compliance. * Maintain deep knowledge of international AP and T&E practices, including VAT/GST recovery, multi-currency payments, and country-specific invoicing mandates. * Automation & Scalable Process Design * Champion the adoption of AP and T&E automation technologies including intelligent invoice capture (OCR/AI), workflow automation, and ERP enhancements to drive efficiency and reduce manual touchpoints. * Identify and lead process improvement initiatives using lean or Six Sigma methodologies to eliminate bottlenecks and improve cycle times. * Partner with Engineering and Systems teams to evaluate, implement, and optimize AP and T&E platforms and tools (e.g., ZIP, Oracle Fusion, SAP Concur or equivalent). * Define and monitor KPIs and SLAs for the AP and T&E functions, using data to drive decisions and communicate performance to senior leadership. * Supplier Relations & Business Partnership * Serve as a trusted, collaborative partner to internal stakeholders across Finance, Legal, Procurement, HR, and business units—ensuring AP and T&E is viewed as a value-add function, not a back-office blocker. * Drive an exemplary supplier experience by ensuring timely payments, proactive communications, and efficient dispute resolution processes. * Establish and manage supplier escalation protocols and executive-level vendor relationships for strategic partners. * Lead the design and delivery of supplier portals, self-service tools, and communication programs that reduce inbound inquiries and improve satisfaction. * Compliance & Reporting * Own the end-to-end 1099 reporting process for U.S.-based corporate suppliers, including year-end filings, TIN matching, and IRS compliance * Oversee equivalent withholding tax reporting and documentation requirements for non-U.S. corporate suppliers (e.g., W-8 series forms, FATCA/CRS compliance, local withholding obligations). * Collaborate with the Tax team to ensure proper classification of supplier payments, identification of reportable transactions, and accurate year-end disclosures. * Stay current on evolving global tax reporting requirements and proactively adapt AP and T&E processes to maintain compliance. EXPERIENCE: * 10+ years of progressive accounts payable and expense reimbursement experience, with at least 5 years in a people management role leading managers. * Demonstrated experience managing distributed, international teams across multiple geographies and time zones. * Proven track record supporting international expansion and/or M&A integration from an AP and T&E perspective, including new entity stand-up and system integration. * Deep expertise in end-to-end procurement and AP and T&E processes: purchase requisitions, PO management, invoice processing, payment execution, employee expense reimbursement, corporate credit card programs, and period-end close. * Strong background in AP and T&E automation technologies and digital transformation—you have led or materially contributed to at least one significant AP modernization initiative. * Expert knowledge of U.S. 1099 reporting requirements and equivalent international supplier tax withholding and reporting obligations. * Solid understanding of internal controls, SOX compliance, and AP and T&E related risk management frameworks. * Exceptional cross-functional collaboration and executive communication skills; you are a strategic partner, not just a transactional operator. * Strong analytical skills with the ability to define, track, and act on AP and T&E performance metrics. * Bachelor’s degree in Accounting, Finance, Business Administration, or a related field. * Preferred: * Experience at a high-growth technology company or gig economy platform with complex, multi-entity AP and T&E structures. * Hands-on experience with enterprise AP, T&E, and ERP systems such as Coupa, SAP, Oracle, NetSuite, Tipalti, or similar. * CPA, CMA, or equivalent professional certification. * MBA or advanced degree in Finance or Accounting. * Familiarity with shared services or global business services (GBS) operating models. * Experience with FATCA, CRS, or other cross-border tax information reporting regimes. BENEFITS: * Great medical, dental, and vision insurance options with additional programs available when enrolled * Mental health benefits * Family building benefits * Child care and pet benefits * 401(k) plan with company match to help save for your future * In addition to 12 observed holidays, salaried team members have discretionary paid time off, hourly team members have 15 days paid time off * 18 weeks of paid parental leave. Biological, adoptive, and foster parents are all eligible * Subsidized commuter benefits * Monthly Lyft credits and complimentary Lyft Pink membership Lyft is an equal opportunity employer committed to an inclusive workplace that fosters belonging. All qualified applicants will receive consideration for employment without regards to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, age, genetic information, or any other basis prohibited by law. We also consider qualified applicants with criminal histories consistent with applicable federal, state and local law. Lyft highly values having employees working in-office to foster a collaborative work environment and company culture. This role will be in-office on a hybrid schedule — Team Members will be expected to work in the office 3 days per week on Mondays, Wednesdays, and Thursdays. Lyft considers working in the office at least 3 days per week to be an essential function of this hybrid role. Your recruiter can share more information about the various in-office perks Lyft offers. Additionally, hybrid roles have the flexibility to work from anywhere for up to 4 weeks per year. #Hybrid The expected base pay range for this position in the San Francisco area is $156,000 - $195,000, not inclusive of potential equity offering, bonus or benefits. Salary ranges are dependent on a variety of factors, including qualifications, experience and geographic location. Your recruiter can share more information about the salary range specific to your working location and other factors during the hiring process.