Job Title: Risk Manager
Company: One Credit Limited
Job Type: Full Time
Qualification: BA/BSc/HND
Location: Lagos, Nigeria
Job Field: Finance/ Accounting/ Audit
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One Credit Limited is a registered consumer finance company in Nigeria. The company is a capex-light, technology enabled, provider of unsecured loans to salaried consumers in Nigeria.
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Job description:
Risk Management: – Planning, designing and implementing an overall risk management process for the organisation. This includes but not limited to
. – Identifying Loss drivers – Collections Strategy and Operations – Operational Risk – Fraud Prevention and Control – Risk evaluation and measurement
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Risk Policy: – Establish and implement principles and credit policies that are aligned to the needs of One Credit. – Implement credit policies in a timely and proactive manner that supports profitable portfolio growth and minimized exposure to unprofitably high risk segments/ markets. – Maintain risk policy documentation and communication channels to all business partners. – Credit Scoring and underwriting policies
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Analytics and Business Intelligence: – Manage the performance of the portfolios by providing MIS and any necessary analysis to senior management in a timely manner. Produce detail monthly risk packs and periodic business intelligence reports.
. – Provide data mining and analytical support for various credit risk initiatives. This includes but not limited to
. – Customer profiling – Marketing – Sales – Collections and Recovery – Own the design and pilot programs for consumer lending and credit card products.
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Desired Skills and Experience: – Minimum of 7 years relevant experience. – Preferably in Consumer Risk Management, Finance Support or Performance Management – High level of Numeracy – Problem Solving – Intermediate Excel Skills or SQL Skill – Data Manipulation – Excellent presentation and writing skills – Critical reasoning.
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