Head of Risk at Mezcredit Finance Limited

Mezcredit Finance Limited is a wholly-owned private limited liability company incorporated in Nigeria and licensed by the Central Bank of Nigeria (CBN) to carry on the business of finance house. The Board and Management Team is made up of sound professionals with tremendous experience in banking, finance, investment and management. Mezcredit Finance Limited is a unique financial institution equipped with the right skills, industrial experience and enormous working capital to offer tailored-made and robust financial solutions to our numerous customers for sustainable business growth and profitability.

We are recruiting to fill the position below:

Job Title: Head of Risk

Location: Yaba, Lagos
Employment Type: Full-time

Responsibilities

• Analyze data to better understand potential risks, concerns and outcomes of decisions
• Aggregate data from multiple sources to provide a comprehensive assessment
• Create reports, summaries, presentations and process documents to display results
• Collaborate with other team members to effectively analyze and present data
• Develop systems and processes for gathering and storing data for future analytic projects
• Conduct research into potential clients and understand the risks of accepting each one
• Identify economic and financial trends that may present a risk to the company
• Monitor internal and external data points that may affect the risk level of a decision 
• Ensure that clients interested in taking loans are given the necessary information to access the loan.
• Collection of needed financial information/ documentation and assessing the clients’ credit worthiness.
• Calculation and analyzing of risk ratios of clients based on the client’s credit score and financial history.
• Recommendation of loans for approval/ Denial based on thorough analysis of client’s credit request.
• Maintaining the loan portfolio.
• Setting up payment plans for clients, and ensuring approved loans are promptly disbursed in line with management approval.
• Loan monitoring to ensure loan customers are keeping to the terms and conditions of the loan

Qualifications

• Fifteen years of experience as an analyst in a similar company or related field
• Demonstrated ability to prioritize tasks and meet daily deadlines for projects
• Strong written and verbal communication skills to inform managers and other stakeholders of results
• Proficiency in Microsoft Excel, Access, Visio and other analysis programs
• Ability to manage multiple projects and programs at the same time to complete work
• Critical thinking skills with the ability to independently solve problems with data
• Quantitative and analytical skills with a demonstrated ability to understand new analytical concepts
• Basic knowledge of programming languages, such as SQL and Python
• Presentation skills, including public speaking and presentation creation using PowerPoint or a similar program
• Excellent knowledge of loan application procedures and best lending practices.
• Exceptional analytical skills and the ability to work with complicated financial data.
• Strong ethical behavior and the ability to work with sensitive financial information.
• Ability to analyze the business of clients and identify the credit risk associated with it and recommending mitigates where necessary.

Application Closing Date
24th January, 2023.

Method of Application
Interested and qualified candidates should forward their Resume to: excellentjobs95@gmail.com, recruitments@greengatesgroup.com using the Job Title as the subject of the email.