Who We Are:

We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. 

The Role:

The Portfolio Manager is responsible for developing, implementing, and managing credit portfolio strategies that support the Bank's expansion into new markets and regions. The role ensures sustainable portfolio growth by balancing risk, profitability, and customer acquisition while adapting credit strategies to local market dynamics and regulatory environments. 

This role will lead portfolio performance monitoring, market analysis, credit strategy optimization, and expansion initiatives across multiple geographies. Working closely with Credit Risk, Product, Finance, Data, Collections, and Business teams, the Portfolio Manager will drive data-driven decisions that maximize portfolio quality and business performance. 

This role is ideal for someone with strong expertise in portfolio management, retail lending, credit analytics, and expansion strategy within banking or fintech. 

What You Will Do:

• Develop and execute portfolio strategies to support expansion into new markets and regions. 

• Design localized credit strategies based on customer behaviour, market conditions, regulatory requirements, and portfolio performance. 

• Monitor portfolio quality, profitability, and growth across multiple regions using key credit risk metrics. 

• Analyse portfolio trends, customer segments, and product performance to identify growth opportunities and emerging risks. 

• Perform portfolio forecasting, scenario analysis, stress testing, and profitability assessments. 

• Recommend enhancements to underwriting policies, pricing strategies, and portfolio limits to optimise business performance. 

• Partner with Product and Business teams to support the launch of new lending products and market expansion initiatives. 

• Monitor key portfolio indicators including delinquency, default rates, recoveries, vintage performance, roll rates, and loss trends. 

• Conduct deep-dive analysis on regional portfolio performance and provide actionable recommendations to senior management. 

• Collaborate with Finance on Expected Credit Loss (ECL), impairment analysis, and portfolio provisioning. 

• Develop automated dashboards and portfolio reporting to support executive decision-making. 

• Drive continuous improvement initiatives across portfolio analytics, reporting automation, and risk management processes. 

• Ensure compliance with internal credit policies, regulatory requirements, and governance standards. 

• Work closely with Risk, Data Science, Technology, Collections, and Operations teams to improve portfolio performance and customer outcomes. 

Requirements

What You Bring 

Educational Qualification:

• Bachelor's degree or Higher National Diploma in Finance, Economics, Statistics, Mathematics, Business Administration, Engineering, Computer Science, or a related quantitative discipline. 

• A Master's degree is an added advantage. 

Professional Certifications:

• Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) certification is preferred. 

• Professional certifications in Credit Risk Management or Portfolio Management are an added advantage. 

• Microsoft Power BI, SQL, Python, SAS, or equivalent data analytics certifications are desirable. 

Experience:

• Minimum of 5–7 years of experience in Portfolio Management, Credit Risk, Credit Analytics, or Retail Lending. 

• Hands-on experience managing consumer lending portfolios within banking, fintech, or other financial institutions. 

• Experience supporting regional expansion, multi-market portfolios, or new market launches is an added advantage. 

Professional Competencies:

• Strong understanding of retail lending, portfolio management, and credit risk principles. 

• Experience analysing portfolio performance using key risk and financial metrics. 

• Knowledge of IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio profitability. 

• Strong analytical skills with experience using SQL, Excel, Power BI, Python, SAS, or similar analytical tools. 

• Experience with portfolio segmentation, vintage analysis, roll rates, delinquency monitoring, and stress testing. 

• Strong understanding of lending products, customer behaviour, and market dynamics. 

• Excellent communication, stakeholder management, and presentation skills. 

• Strong commercial acumen with the ability to balance business growth and portfolio quality. 

• Ability to work effectively in a fast-paced, data-driven environment while managing multiple priorities. 

This Role Is Ideal For You If: 

• You enjoy building and optimising lending portfolios across new markets. 

• You are passionate about using data to drive strategic business decisions. 

• You thrive in high-growth, fast-paced financial services environments. 

• You enjoy collaborating with cross-functional teams to deliver business outcomes. 

• You are motivated by solving complex portfolio and credit risk challenges. 

You May Not Enjoy This Role If: 

• You prefer operational or administrative work over strategic portfolio management. 

• You are uncomfortable working with large datasets and financial analysis. 

• You dislike balancing commercial growth with risk management. 

• You prefer highly repetitive work with limited opportunities for innovation and strategic thinking. 

Benefits

What's In It For You:

• Opportunity to lead portfolio strategy for regional expansion within a fast-growing fintech organisation. 

• Exposure to large-scale lending portfolios, market expansion, and strategic growth initiatives. 

• Opportunity to collaborate with Credit Risk, Product, Finance, Data, Engineering, and Executive Leadership teams. 

• Continuous learning, professional certifications, and career development opportunities. 

• Competitive compensation and the opportunity to influence business growth while managing portfolio performance across multiple markets.