Head, Credit Risk Management at Pishon and Brooks Advisory Services

Pishon and Brooks Advisory Services - Our client, a fast-growing CBN-licensed Other Financial Institution (OFI) in Lagos, Nigeria, is recruiting suitably qualified candidates to fill the position below:

Job Title: Head, Credit Risk Management

Location: Lagos
Department: Credit
Reports To: Managing Director/CEO
Grade: Senior Management

Job Summary

• Lead all credit underwriting and portfolio management functions for the company, ensuring sound credit decisions that enable portfolio growth while maintaining asset quality.
• This role will establish credit policies, lead the Credit Committee, and build the credit team’s capabilities to support the company’s growth objectives.

Key Responsibilities

• Establish and maintain the credit policy framework for all lending products, including underwriting criteria, collateral requirements, pricing guidelines, and approval authorities
• Chair the Credit Committee and make final credit decisions within delegated authority, ensuring consistent application of credit standards and risk appetite
• Lead the credit team including credit analysts and portfolio management staff, building deep capabilities in credit assessment across various sectors
• Design credit assessment methodologies for different product types and customer segments
• Establish credit turnaround standards and implement processes to achieve speed without compromising quality
• Oversee portfolio monitoring and early warning systems to identify deteriorating credits and trigger remediation actions
• Manage problem loans and workout situations, maximizing recovery through collateral enforcement and restructuring where appropriate
• Develop credit scoring models and decision tools to improve efficiency and consistency of credit decisions, particularly for repeat customers
• Collaborate with business development and risk teams to ensure alignment on credit criteria and risk appetite
• Report to the Board on portfolio quality, credit trends, and concentration risks with recommendations for policy adjustments
• Ensure compliance with CBN regulatory requirements for credit risk management and provisioning

Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, or related field; Master’s degree (MBA) and professional certification (ACIB, ACA, ACCA, FCIB, CFA) strongly preferred
• Minimum of 12 years of experience in credit/lending with at least 5 years in a senior credit leadership role at a bank or major finance company
• Deep experience in SME/commercial lending with proven track record of managing portfolio quality through growth cycles
• Strong knowledge of various credit products including working capital, asset financing, and structured facilities
• Experience building and leading credit teams and Credit Committee processes
• Demonstrated ability to maintain low NPL ratios while supporting business growth
• Knowledge of CBN regulatory requirements for credit risk management and provisioning

Skills & Competencies:

• Expert credit judgment with ability to assess complex transactions and business models across various sectors
• Strong leadership skills to build, develop, and manage high-performing credit teams
• Strategic thinking to design credit policies that enable growth while managing risk
• Excellent analytical capabilities for portfolio analysis and trend identification
• Process orientation to establish efficient credit workflows meeting turnaround targets
• Collaboration skills to work effectively with business development, risk, and operations teams
• Communication skills for Credit Committee leadership and Board reporting
• Decisiveness to make timely credit decisions under pressure

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online