Junior Credit Risk Analyst

About the Role

PalmPay is building an innovative ecosystem to provide millions of customers with the best choice and value in digital and financial services. We are creating unique experiences for our customers and offering unprecedented scale to our partners. We are currently looking for a motivated and analytical Junior Credit Risk Analyst to join our growing risk management team in Nigeria. In this role, you 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 possesses strong analytical skills, a passion for fintech, and a drive to balance business growth with excellent portfolio quality.

• Review and thoroughly analyze SME loan applications and supporting financial documents.
• Assess borrowers’ creditworthiness, financial health, and repayment capacity accurately.
• Make sound credit recommendations in line with company credit policy and underwriting standards.
• Liaise closely with Field Verification Officers and the wider Risk Team to resolve loan-related issues.
• Ensure absolute accuracy, compliance, and completeness of all loan documentation.
• Maintain proper records and actively support process improvement initiatives within the department.

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• 0 to 1 year of relevant professional experience in credit risk, credit analysis, loan underwriting, or a related financial field.
• Basic understanding of credit assessment methodologies, financial analysis, and lending principles.
• Good numerical, analytical, and problem-solving skills with strong attention to detail.
• Ability to interpret complex financial information and evaluate potential credit risks effectively.
• Eagerness to learn, take initiative, and develop a long-term career in fintech credit risk management.
• Immediate resumption availability is a strong priority for this position.

• Competitive salary package with performance-based incentives.
• Comprehensive health insurance coverage.
• Dynamic, fast-paced, and collaborative fintech work environment.
• Exceptional opportunities for career growth and professional development.

Skills