Credit Risk Analyst at Shecluded

Shecluded - We disburse flexible loans to fuel business growth across sectors and deliver structured business and financial literacy training through incubators, accelerators, and cohort-based programs — both online and in person.

We design and deliver tailored training programs in partnership with organizations and DFIs to educate and empower women within their communities, focusing on business development, financial literacy, and entrepreneurial resilience. We also host community networking events and workshops to strengthen connections and drive visibility for women-led businesses.

We are recruiting to fill the position below:

Job Title: Credit Risk Analyst

Location: Lekki, Lagos
Job Type: Full-Time  & Hybrid
Reports To: CEO

Role Overview

• We’re looking for a Credit Risk Analyst who is passionate about building strong, data-driven credit systems that unlock opportunities for women in business.
• As we continue to tackle the gender finance gap and deepen our impact, we need someone who can bring analytical excellence, sound judgment, and a commitment to maintaining a healthy, high-performing loan portfolio.
• If this is you! We want you!
• The ideal candidate is a problem-solver at heart; someone who enjoys digging into numbers, spotting patterns, and challenging assumptions to make smarter, faster credit decisions.
• They have a strong understanding of credit risk, lending processes, and portfolio dynamics, and are excited about how technology and AI can transform credit for women entrepreneurs.

Responsibilities

• Conduct thorough credit assessments and analyze borrowers’ financial statements, cash flow, and repayment capacity.
• Review loan applications, prepare credit memos, and make clear recommendations on approval or decline.
• Monitor loan portfolio performance, identify early warning signs, and support strategies to reduce default risk.
• Ensure compliance with credit policies, documentation standards, and risk management procedures.
• Prepare regular credit and portfolio reports to support decision-making by the credit and leadership teams.

What Makes You a Great Fit

• You love problem-solving and naturally think in terms of systems, probabilities, and causes.
• You have a solid grasp of credit analysis, risk assessment, and financial statement interpretation.
• You understand concepts like PD, LGD, ECL, credit scoring, loan performance drivers, and portfolio segmentation (or you’re excited to learn).
• You can balance quantitative analysis with sound judgment.
• You know how to translate data into clear decisions and actionable recommendations

Technical Skills We Value:

• Experience with credit risk modelling or exposure to risk frameworks
• Strong Excel/Google Sheets & financial modelling
• Understanding of data analysis tools (SQL, Python, Power BI, or willingness to learn)
• Ability to identify risk patterns, emerging trends, and early warning signals
• Familiarity with digital lending, scoring systems, or credit underwriting best practices
• Ability to contribute to improving credit policies, scoring rules, and internal processes.

Application Closing Date
Not Specified.