PalmPay

Fintech platform enabling transfers, payments, credit

Credit Risk Analyst

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeIkeja, Lagos, NigeriaNo salary listedIn-person

About the Job

Requirements

A minimum of 2 years of experience in loan underwriting, credit analysis, or a related role is required.
Prior experience performing similar functions is required.
Experience in the banking or financial services industry is an advantage.
Strong analytical skills are required.
Excellent communication, documentation, and reporting skills are required.
Knowledge of risk control and industry research is required.

Responsibilities

Review and analyze loan applications and supporting documents.
Assess borrowers’ creditworthiness and repayment capacity.
Make recommendations in line with credit policy and underwriting standards.
Liaise with Field Verification Officers and the Risk Team on loan-related issues.
Ensure accuracy and completeness of loan documentation.
Maintain proper records and support process improvement initiatives.
Monitor portfolio performance and identify potential credit risks.
Support the business in making sound lending decisions while balancing business growth and portfolio quality.

Desired Qualifications

Experience in the banking or financial services industry is an advantage.

The Credit Risk Analyst will be responsible for reviewing and analyzing SME loan applications to deliver accurate credit decisions in line with established credit policies and underwriting standards. The ideal candidate must possess strong analytical skills and prior experience in loan assessment and risk evaluation.

The role will involve analyzing loan applications, identifying potential credit risks, monitoring portfolio performance, and supporting the business in making sound lending decisions while maintaining a balance between business growth and portfolio quality.

Key Responsibilities

Review and analyze loan applications and supporting documents
Assess borrowers’ creditworthiness and repayment capacity
Make recommendations in line with credit policy and underwriting standards
Liaise with Field Verification Officers and Risk Team on loan-related issues
Ensure accuracy and completeness of loan documentation
Maintain proper records and support process improvement initiatives

Requirements

• Minimum of 2 years experience in loan underwriting, credit analysis, or related role
• Prior experience performing similar functions is required
• Experience in the banking or financial services industry is an added advantage
• Excellent communication, documentation and reporting skills
• Great knowledge of risk control and a good sense of industry research.

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About the Company

PalmPay

Fintech platform enabling transfers, payments, credit

PalmPay is a fintech platform in Africa that provides digital financial services through a mobile app and a wide agent network. It lets users perform money transfers, pay bills, and access credit and insurance, aiming to make financial services easy to use and accessible even in remote areas. The service works by combining a mobile app with a network of over one million agents and merchants, plus partnerships with smartphone brands, to reach users who lack traditional banking. It uses technologies like artificial intelligence and big data analytics to tailor services and improve security for users. PalmPay differentiates itself with its expansive agent footprint, strong focus on financial inclusion, and strategic partnerships that scale across markets. Its goal is to become a financial superapp that covers a broad range of needs for its growing user base across Africa and into new markets.

Company size: 1,001-5,000
Company stage: Series A
Total funding: $240M
Headquarters: Lagos, Nigeria
Founded: 2018

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