Senior Risk Analyst at Total Health Trust Limited

Total Health Trust (THT), a Tangerine company is the foremost Health Maintenance organisation (HMO) with 26 years of experience providing in-and-out-of-country healthcare access and wellness services. The brand leverages expertise and technology in delivering world-class healthcare and wellness user experiences.

We are recruiting to fill the position below:

Job Title: Senior Risk Analyst

Location: Shomolu, Lagos 
Employment Type: Full-time
Department: ERM & Control
Reports to: Head ERM & Control

Job Summary

• The Risk Analyst will assist the Head ERM & Control in executing the strategic and operational responsibility for the management of Risk across Total Health Trust and may be required to work with other Tangerine entities from time to time.

Key Responsibilities
Activities - Governance:

• Risk Framework and Policy Development: Assist in developing, monitoring, and reporting on the Risk Management Framework and related policies to the Head of ERM & Control.
• Risk Monitoring and Alerts: Support daily processes that notify management of emerging issues and evolving risks within the organization.
• Policy Support: Aid the Head of ERM & Control in the development and implementation of risk related policies.
• Risk Management Practices: Enhance processes for identifying, assessing (both qualitative and quantitative), mitigating, and monitoring risks across all related policies.
• Action Plan Oversight: Monitor action plans to identify delays or incomplete mitigation efforts by business units.

Other Activities:

• Risk Appetite Framework: Support the Head of ERM & Control in developing the Risk Appetite Framework, including defining tolerance levels, escalation limits, and monitoring liquidity risk and investment portfolio alignment.
• Loss Reporting and Monitoring: Supervise the reporting of losses by Champions and correspondents and monitor remediation actions.
• Business Impact Analysis (BIA): Support process owners in developing, reviewing, and executing the BIA process; ensure consistency and approval of BIA questionnaires; and create a consolidated BIA report for validation by the BCM Sponsor and the Head of ERM & Control.
• Operational Resilience: Support the Head ERM & Control in ensuring that Business Continuity Plans (BCPs) align with approved strategies, test BCPs and the Crisis Communication Plan per the Operational Resilience Policy.
• Support crisis management initiatives, ensuring readiness and responsiveness to disruptions.
• Risk Indicators and Early Warnings: Support the creation and monitoring of the Key Risk Indicators (KRI) dashboard to provide early warnings.
• Model Development and Review: Support the Head of ERM & Control in model development and review.
• Conduct comprehensive risk assessments across business units to identify emerging risks.
• Ensure proper risk categorization and prioritization based on the organization’s risk appetite and business strategy.
• Deliver training sessions to enhance risk awareness and embed a risk-conscious culture across the organization.
• Guide Champions and stakeholders on risk-related processes and tools
• Conduct comprehensive risk assessments across business units to identify emerging risks.
• Oversee the incident management framework, ensuring incidents are reported, investigated, and resolved promptly.
• Conduct root cause analyses for significant incidents and recommend preventive measures.
• Collaborate with business units to implement and monitor risk mitigation plans.
• Support the Head ERM & Control in driving innovation in risk management by leveraging technology and data analytics.
• Support the Head ERM & Control in Benchmarking the organization's risk practices against industry standards and best practices.
• Monitor compliance with relevant laws, regulations, and internal policies, escalating concerns as necessary.
• Support the Head ERM & Control in coordinating stress tests and scenario analyses to evaluate the resilience of the organization under adverse condtion
• Support the Head ERM & Control in driving other control related activities

Activities – Monitoring & Reporting:

• Action Plan Reporting: Submit monthly updates on action plans provided by the first line to the Head of ERM & Control.
• Business Impact Analysis (BIA): Conduct and collate the annual BIA for all teams.
• Risk Reporting: Prepare and consolidate the quarterly risk report.
• Risk Appetite Monitoring: Monitor and report on the risk appetite quarterly.
• Liquidity and Investment Monitoring: Conduct quarterly reviews of liquidity and investment portfolios. Other Responsibilities: Perform additional duties and responsibilities within the ERM & Control team as assigned by the Head of ERM & Control.

Minimum Qualification

• Knowledge of the financial service sector/HMO business would be an added advantage.
• Good knowledge of insurance/HMO product offerings (development, dependencies, features etc.)
• Professional certifications in any Risk, Financial Modelling or Data Analytics course will be an added advantage.
• An NYSC discharge certificate.

Key Competencies:

• Must have previous 4-5 years’ experience in a global/ high-growth organization with an understanding of field and industry best practices.
• Must be knowledgeable in marketing and public relations.
• Must have outstanding interpersonal, communication and presentation skills including presence to deal effectively with diverse stakeholders.
• Must be a quick and proactive thinker who can anticipate needs before stated.
• Must be a hard-working, dedicated, dependable and reliable individual known for being proactive and taking initiative.
• High level of integrity and dependability with a strong sense of urgency and orientation results.
• Self-assured and internally motivated individual driven to succeed and make a difference.
• Must possess high ethics, resilience, commitment, determination, and assertiveness.
• Communication skills: Superior communication skills, both in written and verbal form; must have a good understanding of tact and diplomacy and a strong ability to positively influence outcomes and obtain high levels of cooperation.
• Excellent organizational and time management skills: must be punctual and complete all assignments in a timely fashion.
• Collaborative Business Partner: Ability to understand business strategy, work with Head ERM & Control, business unit support managers and manage working relationships at all levels of the company.
• Proficient use of MS Office Software including MS Word, MS Excel and MS PowerPoint

Application Closing Date
9th July, 2026.

How to Apply
Interested and qualified candidates should send their CV and a brief description to: hr.tht@tangerine.africa using the Job Title as the subject of the email.