Senior Credit Underwriter

Summary

Join Moniepoint, a rapidly growing financial services platform in Africa, as a Senior Credit Risk Underwriter. You will oversee SME loan and overdraft applications, ensuring lending aligns with risk appetite and targets. Responsibilities include reviewing applications, performing credit reviews, driving underwriting strategy changes, collaborating with stakeholders, facilitating risk initiatives, and conducting periodic bad debt reviews. The role requires a minimum of 5 years of SME underwriting experience in Nigeria, expertise in manual underwriting of large-value lending, strong compliance awareness, and demonstrable experience in underwriting best practices. Moniepoint offers a strong compensation package including an attractive salary, pension, health insurance, employee stock options, and an annual bonus.

Requirements

• Minimum of 5 years of experience in SME underwriting in Nigeria (unsecured/secured) across a broad range of industry sectors
• Expert in the manual underwriting of large value lending through a broad range of data sources (e.g. Financials and Bank Statements)
• Strong awareness of Compliance and the Regulatory environment within Nigeria
• Demonstrable experience of underwriting best practice and standards
• Significant expertise in the manual underwriting of SME lending in Nigeria (essential)
• 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

Responsibilities

• Review SME lending applications and financial data
• Performing credit reviews and deep-dives on the portfolio back book
• Drive and support change in underwriting strategy and structure
• Interacting 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

Benefits

• Attractive salary
• Pension
• Health insurance
• Employee Stock Options
• Annual bonus