We empower individuals with access to credit, simple payments solutions, high-yield investment opportunities and easy-to-use tools for personal financial management. Carbon is headquartered in Lagos, Nigeria. We are a global company of over 90 employees with operations in Nigeria, Ghana and Kenya
Role
- We are seeking a motivated and detail-oriented individual to join our Credit Risk team as a Credit Risk Analyst.
- The Credit Risk Analyst will support critical areas such as credit risk analysis, loan portfolio management, credit decisioning, fraud detection, and underwriting processes.
- You will work closely with the Head of Credit Risk and other senior team members, contributing to high-impact projects that require strong analytical skills and a deep understanding of credit risk factors.|
Key Responsibilities:
Assist in analyzing credit data to assess loan applications and risk levels:
- Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of customers.
- Evaluate the customer's repayment capacity, willingness to pay, and credit history.
- Review and approve or decline credit applications based on established criteria.
Monitor the credit risk portfolio:
- Track and monitor the performance of existing credit portfolios.
- Identify trends and early warning signs of credit deterioration.
- Implement strategies to mitigate credit risk and improve portfolio quality.
Ensure regulatory compliance:
- Ensure compliance with all relevant credit risk regulations and guidelines.
- Maintain accurate records and documentation.
- Collaborate on fraud detection and prevention measures.
- Participate in loan portfolio performance tracking and reporting.
- Provide insights and recommendations to improve the lending process and mitigate risk.
Requirements:
- Experience in credit risk management, data analysis, or financial modeling.
- Strong analytical skills with attention to detail.
- Ability to work in a fast-paced environment and manage multiple tasks.
- 2+ years experience in a Start-up, Fintech or Financial Industry.
- Minimum of a Bachelor’s degree in any discipline.
- Logical thinker evidenced by strong numerical/data skills or programming/coding experience (SQL, Retool, Python, R, Tableau, Looker Studio, Power BI, Qlikview).
- Familiarity with other data analytics tools, or other relevant software is a plus.
- Familiarity with data wrangling, processing and visualization concepts and best practices.
- Ideal candidates will be PRIMED - Passionate, Resourceful, Intellectual, Maverick, Executor, and Data-Driven.
Recruitment process
- People Screening
- Case study
- Interviews
Method of Application
Signup to view application details.
Signup Now
