Credit Risk Underwriter at Umba Nigeria

Umba combines advanced tools and techniques to optimize risk exposures in emerging markets that are currently underserved by traditional banking services. The Umba platform allows users to apply, receive and repay microloans through their mobile phone while using machine learning to underwrite using a risk score that is highly accurate and improves over time.

We are recruiting to fill the position below:

Job Title: Credit Risk Underwriter

Location: Lagos, Nigeria
Job type: Full Time
Career Level: Experienced
Work Status: Available for Hybrid work

Objective

• To assess and credit underwrite new business applications for the Umba Business product suite and provide input in the to decisioning process for consumer lending operations
• Our credit risk envision for umba: Being a credit risk underwriter at Umba is to be the eyes of the business through advanced analytical techniques to help build a sustainable lending proposition for our customers and stakeholders.

Requirements
Things we think that would help to be a key player for this role:

• At least 2 years experience in credit underwriting at a commercial bank, OFI or fintech, in either consumer or SME lending
• For this role, intermediate knowledge of Excel is required, and SQL skills highly desirable in order to maximize data driven decisioning at Umba
• Experience of financial products, particularly lending, is a must
• Ability to analyze complex financial statements to understand the underlying cashflows of a business and make a sound judgment on credit worthiness
• Ability and desire to navigate through data, metrics or dashboards to answer business questions
• Experience of building, developing or maintaining automated credit decisioning systems is a plus.

If you join us, you will have the opportunity to:

• Be an integral part of a key growth area in Umba’s businesses across Nigeria and Kenya
• Understand and engage with both SME and Consumer lending products and gain an end to end understanding of the credit lifecycle
• Ownership in developing and maintaining the credit assessment policy and procedures for onboarding SMEs
• Join a credit team that is innovating the area of credit decisioning across Africa.

Application Closing Date
Not Specified.