- Company: Mkobo Microfinance Bank Limited
- Location: Lagos
- Job type: Full-time
- Deadline: 31 December 2026
About the role
Mkobo Microfinance Bank Limited is a fully licensed Microfinance Bank in Lagos, Nigeria. We focus on providing accessible short-term unsecured loans to support financial inclusion for underserved demographics. We are currently seeking a dedicated Credit and Risk Officer to join our team on a full-time basis.
Responsibilities
- Identify, assess, monitor, and mitigate credit and operational risks through effective policies and internal controls.
- Oversee Anti-Money Laundering (AML), fraud prevention, enterprise risk management, and business continuity.
- Develop robust systems to identify, monitor, and control credit, market, and operational risks.
- Collaborate with unit heads to provide staff training and increase risk awareness.
- Ensure proper documentation of credits and adherence to the approved credit framework.
- Analyze individual credit requests to ensure exposures align with stipulated guidelines.
- Conduct periodic stress tests and scenario analysis to assess portfolio impact.
- Review delinquent portfolios to identify causal factors and track timely closure.
- Monitor credit policy violations and present findings and recommendations to senior management.
- Prepare comprehensive credit risk reports for senior management and the board.
Requirements
- BSc in Accounts, Finance, Economics, or a related subject.
- 3-4 years of experience in a similar role.
- Minimum of two (2) years’ experience in a similar role at a Microfinance Bank (MFB) or financial institution.
- Awareness of emerging credit risk assessment methods, including social scoring, alternative credit scoring, and big data analytics tools.
How to apply
Interested and qualified candidates should click here to apply online. The application deadline is 31st December, 2026.
