Load Portfolio Specialist at a Leading Fintech Company - Skache Intergrated Services Limited

Skache Integrated Services Limited - Our client, a leading fintech company specializing in lending, is recruiting suitable candidates to fill the position below:

Job Title: Load Portfolio Specialist

Location: Ikeja, Lagos
Employment Type: Full-time

Job Summary

• Our client is seeking a skilled Loan Portfolio Specialist to join their team.
• The ideal candidate will be responsible for the comprehensive management of the organization's loan portfolio, including Monitoring and Analysis, Risk Mitigation, Strategy and Reporting

Key Responsibilities
Portfolio Management & Monitoring:

• Track and analyze loan portfolio performance across all product segments.
• Identify early warning signals of credit deterioration and initiate proactive remedial actions.
• Monitor delinquency trends, non-performing loans (NPLs), and recoveries.
• Prepare periodic reports on loan book health, segmentation, and performance metrics

Credit Risk Analysis:

• Conduct portfolio stress testing, scenario analysis, and credit concentration assessments.
• Recommend credit limits, risk ratings, and provisioning based on regulatory requirements (e.g., CBN Prudential Guidelines).
• Support implementation of internal credit risk models and risk appetite frameworks.

Loan Quality Assurance:

• Review loan documentation, collateral, and credit approvals for compliance.
• Ensure accurate classification of loans (Performing, Pass & Watch, Substandard, Doubtful, Lost).
• Collaborate with credit and collections teams to enhance recovery processes.

Reporting & Compliance:

• Prepare monthly and quarterly regulatory returns and internal credit portfolio reports.
• Ensure compliance with CBN, IFRS 9, and internal credit policy requirements.
• Provide insights and recommendations to management for policy and process improvement.

Stakeholder Engagement:

• Liaise with Finance, Risk, and Collections teams to align portfolio reporting and provisioning.
• Support management in investor, auditor, and regulatory reviews.

Qualifications and Experience

• Bachelor’s Degree in Accounting, Finance, Economics, or related field .
• Professional certification such as ACA, ACCA, or CFA is an advantage.
• Minimum of 2–5 years relevant experience in credit analysis, loan management, or risk management.
• Strong knowledge of credit risk metrics, NPL management, and regulatory frameworks (CBN, IFRS 9).
• Proficiency in Microsoft Excel, Power BI, or other portfolio analytics tools. Key Competencies
• Analytical and quantitative skills.
• Strong attention to detail and accuracy.
• Sound judgment and decision-making ability.
• Excellent communication and reporting skills.
• Ability to work under pressure and meet deadlines.

Application Closing Date
4th December, 2025.