Lead, Corporate Credit Risk Management

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.