Data Engineer – Credit Risk at Rosabon Financial Services (RFS) Limited

Rosabon Financial Services (RFS) Limited is an Award winning Rosabon Financial Services is member of the Concept Group is licensed by the Central Bank of Nigeria, CBN on April 22, 1993, and being a long-standing member of the Equipment Leasing Association of Nigeria (ELAN), the organization has evolved into Nigeria’s leading Non-Banking Financial Intermediary and Equipment Leasing firm focused on niche and general markets.

We are recruiting to fill the position below:

Job Title: Data Engineer – Credit Risk

Location: Lagos  
Employment Type: Full-time

Job Summary

• The Credit Data Engineer will beresponsible for building, maintaining, and optimizing the data infrastructure required for credit risk modelling, analytics, and portfolio monitoring.
• The role ensures data availability, quality, and readiness for use by risk analysts, modellers, and decision engines across lending products in a bank, microfinance bank, or digital lending organization.

Key Responsibilities
Data Pipeline Development andETL Automation:

• Design, build, and maintain scalable ETL/ELT pipelines to extract, transform, and load credit data from core banking systems, LOS, LMS, collections platforms, and credit bureaus.
• Automate recurring data ingestion processes for modelling, reporting, and risk analytics.
• Optimize data flows to ensure high performance and reliability.

Data Architecture and Storage:

• Develop and maintain credit data warehouses, data lakes, and modelling datasets.
• Create structured datasets for underwriting, scorecards, IFRS 9, and portfolio monitoring.
• Ensure proper indexing, partitioning, and schema design for efficiency.

Data Quality and Governance:

• Implement data quality checks, anomaly detection, and reconciliation routines.
• Maintain data dictionaries, metadata, and lineage for credit systems.
• Work closely with IT and Risk teams to enforce data governance standards.

Support for Modelling and Analytics:

• Provide clean and curated datasets to credit modellers, analysts, and data scientists.
• Build feature stores and modelling-ready datasets for PD, LGD, EAD, and scorecards.
• Support development of data pipelines for machine learning and real-time decision engines.

System Integration andAPI Development:

• Integrate with external data providers (credit bureaus, ID verification APIs, AML/KYC databases).
• Support deployment of scoring and decisioning models into production systems.
• Build and maintain APIs for real-time credit checks, scoring, and risk assessments.

Operational Reporting Support:

• Build data structures supporting dashboards (Power BI, Tableau, Qlik).
• Ensure daily / weekly / monthly portfolio reporting datasets are automated and accurate.
• Support auditors and regulators with required data extracts.

Collaboration and Cross-Functional Support:

• Work closely with Credit Risk, Modelling, Collections, Fraud, and Product teams.
• Provide technical guidance on data issues affecting loan approvals, disbursements, and collections.
• Support digital lending, scorecards, and credit decision engine enhancements.

Application Closing Date
Not Specified.

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