Who We Are

Moniepoint is Africa’s all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion and are Nigeria’s largest merchant acquirer. We are on a mission to create financial happiness for everyone, everywhere.

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.
• Ensure appropriate segregation of duties between origination, approval, and disbursement processes.
• Periodically review lending limits, sectoral exposures, and concentration risks, to ensure compliance with credit policies and risk appetite\
• Oversee the use of data, analytics, and alternative data sources to enhance credit decisioning.
• Ensure credit risk controls are embedded within digital platforms, APIs, and automated workflows.
• Review and validate changes to credit models, decision rules, and lending systems

Portfolio Monitoring & Asset Quality Management

• Monitor credit portfolio performance across products, channels, and customer segments.
• Track key portfolio metrics including delinquency ratios, non-performing loans (NPLs), roll rates, vintage analysis, and write-offs.
• Identify early warning signals and emerging credit risks, recommending timely corrective actions.
• Oversee remedial management strategies, restructuring, recoveries, and collections escalation frameworks.
• Ensure adequacy of loan loss provisioning in line with regulatory and accounting standards.

Credit Risk Analytics & Reporting

• Develop robust credit risk dashboards and management information systems (MIS).
• Provide accurate and timely credit risk reports to:
  • Chief Risk Officer
  • Executive Management
  • Board Finance, Audit and Risk Committee (FARCo)
• Perform stress testing and scenario analysis on the loan portfolio.
• Support regulatory reporting and supervisory examinations relating to credit risk.

Regulatory Compliance & Stakeholder Engagement

• Ensure full compliance with:
  • CBN Prudential Guidelines for MFBs
  • IFRS 9 (where applicable)
  • Consumer protection and fair lending requirements
• Act as a key liaison with Internal Audit, External Auditors, Regulators, and Credit Bureaus on credit risk matters.
• Support regulatory examinations, audits, and implementation of audit recommendations.

Team Leadership & Cross-Functional Collaboration

• Lead and develop the Credit Risk team, ensuring clear roles, accountability, and performance management.
• Partner closely with Product, Operations, Collections, Finance, IT, and Business teams to ensure balanced risk-return outcomes.
• Provide guidance and training on credit risk principles, policy compliance, and risk ownership across the organization.
• Foster a strong credit risk culture focused on discipline, data-driven decisions, and sustainability.

Required Qualifications & Experience

Education

• Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, or related field
• Master’s degree (MBA, MSc) is an advantage

Professional Certifications (Preferred)

• ACA, ACCA, FRM, PRM, or equivalent

Experience

• Minimum of 8–10 years experience in credit risk, lending, or risk management within banking, fintech, or financial services
• Proven experience managing credit risk portfolios, preferably in digital or SME lending
• Prior experience in a leadership or senior risk role is required

Core Competencies & Skills

• Strong understanding of credit risk frameworks and CBN regulations
• Advanced analytical and data interpretation skills
• Sound judgment and decision-making ability
• Strong stakeholder engagement and communication skills
• High ethical standards and independence
• Ability to operate in a fast-paced, technology-driven environment

What We Can Offer You

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all voices are heard, and we look out for one another. Above all, we are human.
• Learning: We have a learning- and development-focused environment with an emphasis on knowledge sharing and training.
• Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, plus other benefits.

What to expect in the hiring process

• A preliminary phone call with the recruiter.
• An interview with the hiring team.
• An interview with a member of our executive team.

Moniepoint Inc. is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Acumen is seeking a highly motivated, thoughtful, and curious Senior Associate, Insights with atleast 5 years of experience to support the delivery of a rigorous learning agenda for a transformative business and economic empowerment program across Africa with a strong focus on young women, leadership and organizational growth and development.  This role will focus on generating high quality insights to inform adaptive program delivery, with a strong emphasis on understanding enterprise growth, work quality, and women’s participation in the green economy.This role will be based out of Acumen’s office in Nairobi or Lagos, with an expectation of working from the office 3 days a week.

About Acumen

Acumen is a global force of entrepreneurs, investors, philanthropists, and social innovators working together to build a world based on dignity. We were founded by Jacqueline Novogratz on the radical idea that business, when cultivated with moral imagination, can break the cycle of poverty. We invest in transformational companies, build sustainable markets, and prepare leaders with the tools they need to create a more just and inclusive future. Since 2001, we have scaled companies and shaped markets in some of the hardest-to-reach communities on the planet, impacting over half-a-billion lives. To learn more visit acumen.org.

About the Role

As the Senior Associate, Insights, you will support the execution of the program’s learning agenda, working across program teams and partners to generate actional insights that inform program delivery and strategy.

This role sits within the Insights function, focusing on the ‘why’ and ‘so what’ behind program results.  You will lead qualitative and mixed-methods data collection and analyze findings.  You will also synthesize findings into clear insights and contribute to learning outputs that shape adaptive management and thought leadership.

You will report to the Program Insights Lead and program teams across multiple workstreams.  The role requires strong execution, structured thinking, and the ability to translate complex data into meaningful insights.

Accountabilities include:

Execution of the Program Learning Agenda

• Support the implementation of the Program’s multi-year learning agenda, ensuring timely and high-quality delivery of learning activities
• Coordinate and execute qualitative and mixed-methods data collection across Program pillars, including surveys, interviews, focus group discussions, and feedback tools
• Support the design and development of data collection tools (e.g. surveys, interview guides, tracking tools) aligned with learning questions
• Manage data collection processes across multiple stakeholders, including program teams, partners, and enterprises
• Ensure data is collected, documents, and organized in a structured and usable way

Insight Generation and Analysis

• Conduct qualitative and mixed methods analysis to identify patterns, trends, and key insights across program data
• Synthesize findings across multiple data sources to answer core learning questions
• Translate data into clear, concise, and actionable insights that inform program decision-making
• Identity emerging signals and insights to support adaptive learning and continuous program improvement

Adaptive Learning and Program Support

• Provide input into adaptive learning processes, including after-action reviews and periodic learning sessions
• Support program teams in understanding and applying insights to improve program delivery
• Contribute to tracking learning questions and ensuring alignment between data collection and program priorities
• Surface insights to support strategic reflection and decision-making

Knowledge Products and Thought Leadership

• Support the development of internal and external learning deliverables, including reports, briefs, and blogs.
• Contribute to drafting sections of program learning outputs, ensuring clarity, rigor, and strong narrative
• Help translate insights into compelling stories and evidence that contribute to broader conversations on green entrepreneurship, work quality, and women’s economic participation
• Ensure learning outputs are grounded in high-quality evidence and aligned with program priorities

Skills and Qualifications

• 5 – 8 years of relevant experience in consulting, development, research, or a related field
• Experience in qualitative or mixed-methods research, including designing tools and conducting interviews and surveys
• Strong analytical and synthesis skills, with the ability to translate complex information into clear insights and recommendations
• Strong writing skills, with the ability to contribute to reports and structured outputs with guidance
• Experience working on complex programs.
• Strong project management and organizational skills, with the ability to manage multiple workstreams and stakeholders
• Ability to work independently with guidance, while contributing to team thinking and problem solving
• Excellent interpersonal skills and ability to collaborate across teams and functions
• Good presenter in public, strong voice in meetings

Desirable 

• Experience in entrepreneurship, MSMEs, or private sector development programs
• Familiarity with climate, green economy, or sustainability-related sectors
• Exposure to large, donor-funded, or multi-stakeholder programs
• Experience supporting the development of knowledge products or thought leadership outputs

Location: Nairobi (East Africa) or Lagos (West Africa)

Acumen is an equal opportunity employer and is committed to building a diverse and inclusive workplace. We welcome applications from all qualified candidates, regardless of gender, age, differential ability, race, religion, sexual orientation, or background.

Applications will be reviewed and interviews scheduled on a rolling basis. 

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