Credit Risk Manager at PalmPay – Ikeja, Lagos
Website PalmPay
Digital and financial services for customers and partners
Job Overview
PalmPay is recruiting a Credit Risk Manager to lead its credit-underwriting function for small and medium-sized enterprise loans in Ikeja, Lagos, Nigeria. The role involves supervising the underwriting team, reviewing complex credit applications and helping ensure that lending decisions align with the company’s credit policies and risk appetite.
The successful candidate will monitor portfolio quality, identify emerging credit risks and work with the Risk, Verification, Collections and Sales teams to improve loan quality and reduce default rates. Applicants must possess a bachelor’s degree in a relevant discipline and have five to eight years of experience in credit underwriting, credit-risk management or SME lending.
About PalmPay
PalmPay is a financial-technology company providing digital-payment and financial services to individuals and businesses. Its services include payment tools and other solutions designed to support everyday financial transactions.
Job Details
| Category | Details |
|---|---|
| Job Title | Credit Risk Manager |
| Organization | PalmPay |
| Location | Ikeja ,Lagos, Nigeria |
| Job Type | Full Time |
| Job Field | Credit Risk and Underwriting |
| Qualification | Bachelor’s degree |
| Experience | Five to eight years |
| Required Industry Background | Banking, fintech, digital lending or microfinance |
| Salary | Not specified |
| Application Deadline | Not specified |
Key Responsibilities
- Lead and supervise the Credit Underwriting team.
- Ensure that credit decisions are completed accurately and on time.
- Review and approve SME loan applications in line with credit policies and risk frameworks.
- Assess complex credit proposals, financial statements, cash flow and business performance.
- Monitor portfolio quality and identify emerging credit risks.
- Recommend appropriate risk-mitigation measures.
- Work with Verification, Collections, Sales and Risk teams to improve loan quality.
- Develop and implement underwriting standards, policies and process improvements.
Qualifications and Experience
Applicants must have:
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration or a related discipline.
- Five to eight years of experience in credit underwriting, credit-risk management or SME lending.
- Previous experience in banking, fintech, digital lending or microfinance is required.
- Understanding of SME credit analysis, financial-statement analysis and lending policies.
Professional Certifications
Professional certifications such as ACIB, ACA, ACCA, CFA, FRM, CRCMP or another relevant credit or risk qualification will be considered an advantage.
Required Skills
The employer specifically requests:
- Credit-underwriting and credit-risk management skills.
- Financial-statement and cash-flow analysis.
- Understanding of SME lending and credit policies.
- Leadership and team-supervision ability.
- Stakeholder-management skills.
- Report-writing skills.
- Ability to identify risks and recommend mitigations.
Before You Apply
Candidates should ensure that their CV clearly demonstrates relevant experience in SME lending, credit underwriting or credit-risk management. Where applicable, applicants may include accurate examples of portfolio monitoring, complex credit assessment, underwriting-process improvement or team supervision without disclosing confidential employer or customer information.
How to Apply
Interested and qualified candidates should review the role requirements carefully and submit their application through PalmPay’s recruitment platform using the Apply button on this page.
To apply for this job please visit palmpaylimited.applytojob.com.
