Risk Analyst
Credit Direct Limited, Nigeria
Job Description
About Us
At Credit Direct Limited, we firmly believe that it's our people that make us special! We are a passionate and inspired group of individuals who enjoy building valuable financial products to keep enabling people’s peace of mind! We put our people at the heart of everything we do, and champion curiosity and connectivity to deliver the best experiences for our customers.
We pioneered the unsecured micro-lending space in Nigeria and are positioned to be the dominant market leader in the Country and beyond. Entrepreneurship, Evolution, Energy, Empathy and Execution are part of our corporate DNA, and we are committed to EXCELLENCE. Our culture celebrates and supports the differences that make each of us unique.
By focusing on representation, recruitment, engagement, culture, accountability, and education, we’re committed to being a workplace where everyone can grow. If you enjoy solving challenges and believe in putting the customer first, you should join our team!
Job Summary
We are hiring a talented Risk Analyst Professional to join our Risk Management Team.
The successful candidate will be responsible for identifying and analyzing the areas of potential risk threatening the success of CDL product(s), predicting change and future trends, as well as forecasting costs. You must be able to communicate risk policies and processes to the organization while providing hands on development of risk models involving markets, credit, and operational risk, assures controls are operating effectively and provide research and analytical support.
Job Responsibilities
- Designing and implementing and overall risk management processes for the organization which includes and analyses of the financial impact of risk on the company per product
- Partnering with product team to design products, pilot programs and launch of new products or features for existing products
- Establishing the level of risk, the organization is willing to take per product while implementing threshold in regards portfolio at risk (PAR)
- Conduct research to assess, analyze and anticipate credit risk trend
- Calculate risk involved in transactions and product proposals and formulate contingency plans
- Recommend improvement methods or precautionary for existing or emerging credit risk on each product
- Monitor the growth and activity of the portfolio based on specified risk levels. Analyzing current risk and identifying potential risk that are affecting product
- Reviewing any new major contract, products, or internal business proposal
- Risk Reporting tailored to the relevant audience (BOARD PACK, MPRs, WEEKLY and BI-ANNUAL product reports)
- Support and build relationships with different business units for the growth of the organization
Requirements
Job Requirement
- BSc/HND in related eld
- One to five years of experience as an analyst in a similar company or related field
- Proficiency in Microsoft word, Excel, Access and PowerPoint, SQL, PowerBi, Navision
- Demonstrated ability to prioritize tasks and meet daily deadlines for projects
- Critical Thinking, Problem Solving and Analytical Skills
- Knowledge of loan Monitoring amp; Remedial Management
- Clear understanding of portfolio risks related to vintage and delinquency Trends
- Adept at working across matrix Organizations.
Person Specification
- Leadership, Influencing and Negotiation
- Relationship Management (Including collaboration amp; teamwork)
- Effective Communication and presentation Skills
- Continuous Learning amp; Improvement
- Self-Assured, Confident and Assertive
- Investigative, inquisitive, flexible amp; objective mind-set
- Influence, persuasion, conflict resolution amp; Negotiation
Benefits
What we offer
- A competitive base salary with fast, results-driven raises
- Employee Development
- A vibrant culture and great work ambience
- A fast paced, high performing team
- Innovative and equitable compensation
- Comprehensive Health Insurance
About the hiring process
Our hiring process is set up to adapt to the needs of the individuals. In general, you can expect:
- A short HR video call
- Subsequent calls with other management members or team leads
- An in-depth call with the hiring manager
- Given the level of this role, a face-to-face interview(s) will likely occur near the end
- We respect your time and aim to move as quickly as possible
At Credit Direct, we don’t just do diversity and inclusion. We embrace people that have different opinions, perspectives, and persona