Senior Credit Underwriter

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.

Liberis

ABOUT LIBERIS Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning.    The Role We’re looking for an experienced Underwriter based in Mumbai who thrives on challenges, values autonomy, and is passionate about finance that supports small businesses not just turning a profit. You’ll be responsible for underwriting new finance proposals that protect and deliver value to Liberis, while enhancing our processes through your expertise. Reporting to the Senior Underwriting Manager, you’ll combine technical and analytical skills to ensure data-driven decisions while staying within the organization's risk appetite. What you’ll be doing * Underwriting new and repeat business requests, evaluating multiple sources of data to make sound, rational decisions. * Engaging directly with prospective customers to gather additional information and communicate approve/decline decisions clearly. * Acting as a referral point for internal stakeholders, ensuring correct policies and procedures are consistently applied. * Driving improvements in underwriting processes to maintain the right balance between customer experience and risk protection. * Leveraging SQL, Python, GCP, and DBT to analyze financial data, automate workflows, and produce actionable insights. * Using advanced Excel skills to model scenarios, interpret management accounts, cash flow statements, and assess credit risk. What we think you’ll need * 2+ years of experience in underwriting, preferably within small business finance. * Strong analytical and problem-solving skills, with meticulous attention to detail. * Deep understanding of financial statements, cash flow, and management accounts to assess affordability, sustainability, and credit risk. * Proficiency in SQL, Python, Excel, GCP, and DBT for financial and operational analysis. * Ability to make confident decisions and clearly articulate reasoning to colleagues and clients. * Excellent verbal and written communication skills, capable of conveying complex findings logically and concisely. * Ability to adapt and refocus in a fast-paced, growing environment. Qualifications * Bachelor’s degree in Finance, Economics, or a quantitative field; Master’s degree is a plus. * Demonstrable experience in data analytics and process improvement within underwriting. Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.

Blenheim Chalcot

ABOUT BLENHEIM CHALCOT  Blenheim Chalcot India is part of Blenheim Chalcot, a global venture builder headquartered in London. With over 26 years of innovation, we've been at the forefront of creating some of the most groundbreaking GenAI-enabled companies. Our ventures lead the charge in digital disruption across a spectrum of industries, from FinTech to EdTech, GovTech to Media, and beyond. Our global presence spans the US, Europe, and Southeast Asia, with a portfolio that employs over 3,000 individuals, manages assets exceeding £1.8 billion, and boasts total portfolio sales of over £500 million.    ABOUT LIBERIS Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning.    The Role We’re looking for an experienced Underwriter based in Mumbai who thrives on challenges, values autonomy, and is passionate about finance that supports small businesses not just turning a profit. You’ll be responsible for underwriting new finance proposals that protect and deliver value to Liberis, while enhancing our processes through your expertise. Reporting to the Senior Underwriting Manager, you’ll combine technical and analytical skills to ensure data-driven decisions while staying within the organization's risk appetite. What you’ll be doing * Underwriting new and repeat business requests, evaluating multiple sources of data to make sound, rational decisions. * Engaging directly with prospective customers to gather additional information and communicate approve/decline decisions clearly. * Acting as a referral point for internal stakeholders, ensuring correct policies and procedures are consistently applied. * Driving improvements in underwriting processes to maintain the right balance between customer experience and risk protection. * Leveraging SQL, Python, GCP, and DBT to analyze financial data, automate workflows, and produce actionable insights. * Using advanced Excel skills to model scenarios, interpret management accounts, cash flow statements, and assess credit risk. What we think you’ll need * 2+ years of experience in underwriting, preferably within small business finance. * Strong analytical and problem-solving skills, with meticulous attention to detail. * Deep understanding of financial statements, cash flow, and management accounts to assess affordability, sustainability, and credit risk. * Proficiency in SQL, Python, Excel, GCP, and DBT for financial and operational analysis. * Ability to make confident decisions and clearly articulate reasoning to colleagues and clients. * Excellent verbal and written communication skills, capable of conveying complex findings logically and concisely. * Ability to adapt and refocus in a fast-paced, growing environment. Qualifications * Bachelor’s degree in Finance, Economics, or a quantitative field; Master’s degree is a plus. * Demonstrable experience in data analytics and process improvement within underwriting. Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.