Credit Risk Manager at AMS Finance & Management Company Limited

AMS Finance & Management is a financial services company, providing top-notch investment and financial solutions to our clients including individuals, corporations, and the government. We are licensed with, and regulated by the Central Bank of Nigeria (CBN) We are equipped with a shrewd team of professionals, who are proactively prepared to provide our clients with top-tier services.

We are recruiting to fill the position below:

Job Title: Credit Risk Manager

Location: Abuja

Job Summary

• We are seeking an experienced and strategic Head of Credit Risk Management to lead the credit risk function of our consumer lending business.
• This role is critical to ensuring the development and enforcement of a robust credit risk framework that supports high-volume, short-term lending while minimizing default rates and credit losses.

Key Responsibilities

• Develop and implement credit risk policies and strategies tailored to consumer loan products, including salary advances, personal loans, and microloans.
• Oversee the end-to-end credit approval and underwriting processes, ensuring consistent and data-driven decision-making.
• Lead the development and refinement of automated credit scoring models and algorithms to drive risk-based pricing and loan approvals.
• Monitor loan portfolio performance, with a focus on delinquency management, early warning signals, and recovery effectiveness.
• Ensure full compliance with local regulatory requirements (CBN and others) as they pertain to credit risk management.
• Collaborate with the Product, Collections, and Technology teams to design and implement customer-centric risk mitigation strategies.
• Provide leadership to a team of credit risk analysts, underwriters, and loan monitoring officers, ensuring continuous training and professional development.
• Lead periodic stress testing and scenario analysis to evaluate credit portfolio vulnerabilities under different economic conditions.
• Generate and present accurate and actionable credit risk dashboards and reports to executive leadership and board committees.
• Engage with external auditors, regulators, and data bureaus to maintain transparency and enhance risk governance.

Requirements 

• Candidates should possess a Bachelor’s Degree in Finance, Economics, Accounting, Statistics, or a related field (Master’s degree or MBA preferred).
• Relevant professional certifications such as FRM, CFA, ICAN, ACCA is highly desirable.
• Minimum of 5 years’ experience in credit risk management within consumer lending, microfinance, or retail banking.
• Proficient in the use of credit scoring tools, data analytics platforms, and portfolio management systems.
• Deep knowledge of consumer lending regulations, responsible lending principles, and risk-based collections.
• Strong leadership and stakeholder management skills with the ability to influence decisions at senior levels.
• Demonstrated experience with credit automation tools, alternative data usage, and digital lending ecosystems.

Application Closing Date
Not Specified.

How to Apply 
Interested and qualified candidates should submit their CV to: careers@amsfinanceltd.com using "Credit Risk Manager" as the subject of the email.