Credit Risk ManagerSabi • Victoria Island, LA, ng

Credit Risk Manager

Sabi • Victoria Island, LA, ng

4 days ago

Job type

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Job description

Job Description

About Katsu

We are hiring into

Katsu , one of our business units, a licensed microfinance bank focused on delivering modern, efficient financial services through digital channels. We aim to bridge the financial inclusion gap by providing accessible banking services to both businesses and individuals. Our approach combines digital transformation, financial inclusion initiatives, and strong risk management to create a comprehensive banking platform offering a wide range of services from basic banking to other advanced features. The bank emphasizes technological innovation while maintaining strong regulatory compliance and security measures. We aim to contribute to economic growth and development within the communities we serve.

Job Summary

We are seeking an experienced and detail-oriented Credit Risk Manager, who will be responsible for designing, implementing, and overseeing the credit risk framework for Katsu MFB, including the assessment, monitoring, and management of credit exposures across all lending portfolios.

The role also requires end-to-end risk analysis and oversight for the commodity trading arm, ensuring that commodity-backed transactions, counterparties, and supply chain exposures meet required credit and risk standards.

This function plays a central role in ensuring regulatory compliance, safeguarding asset quality, and supporting sustainable loan book growth.

What you will be doing

Credit Risk Management & Policy Development

Develop and implement Katsu’s credit risk policies, underwriting standards, and risk appetite framework in line with CBN regulations.
Review and approve loan applications within delegated risk approval limits, ensuring adherence to underwriting standards.
Monitor credit portfolio quality and conduct periodic stress testing, scenario analysis, and portfolio analytics.
Lead continuous improvement of credit processes, decision systems, and risk controls.

Loan Evaluation & Approval Oversight

Conduct detailed credit evaluations for micro, SME, retail, and structured lending facilities.

Review borrower financials, cash flows, collateral adequacy, guarantor quality, and repayment capacity.

Provide risk-mitigating recommendations and ensure all credit files meet regulatory and internal standards.

Support lending teams with structuring of transactions to ensure risk alignment.

Commodity Trading Risk Analysis (Sabi / Katsu Ecosystem)

Evaluate commodity-backed financing, warehousing transactions, and inventory-backed exposures.

Assess counterparty risks including suppliers, off-takers, aggregators, and warehouse partners.

Analyze commodity price movements, supply chain risks, and market volatility .

Ensure proper collateral management, stock verification, and monitoring of inventory movement.

Implement risk controls for commodity financing such as margin requirements, stock audits, insurance, and documentation integrity.

Monitoring, Reporting & Compliance

Track portfolio performance including PAR, NPL, roll rates, and early warning signals.

Develop monthly and quarterly risk reports for management, the Board, and regulators.

Ensure full compliance with CBN Microfinance guidelines, internal policies, and audit requirements.

Lead remediation plans for credit exceptions, operational lapses, and regulatory findings.

Collaboration & Cross-functional Support

Work closely with Credit Sales, Operations, Compliance, and Finance to maintain portfolio quality.

Provide training for loan officers and business units on credit risk, fraud prevention, and documentation standards.

Support system development and automation of risk frameworks, including credit scoring models and data-driven approvals.

Loan Recovery & Remedial Management

Oversee high-risk accounts and develop remedial action plans.

Partner with collections and legal teams on enforcement, restructuring, and recovery strategies.

Identify systemic gaps contributing to delinquency and propose process improvements

Requirements

Special Skills and Qualifications

Bachelor’s degree in finance, Economics, Accounting, Statistics, Business Administration, or related field.

5–8 years of hands-on credit risk management experience, preferably within a regulated financial institution, fin-tech, microfinance bank, or impact-focused fund.

Working knowledge of commodity trading risk, warehouse financing, and supply chain risk is a strong advantage.

Deep understanding of credit risk management, financial statements, ratio and cash flow analysis, and loan structuring.

Familiarity with the Nigerian credit market, commodity lending environment, and credit bureau integration.

Strong command of Microsoft Excel, credit scoring systems, and financial modelling tools.

Experience in regulatory frameworks (CBN, IFRS 9, Basel) and credit risk control procedures.

ACA, ACCA, ICAN, or related professional qualifications is a plus.

Candidate Specification

Motivated by the mission of Katsu

Deep knowledge of credit analysis, financial modelling, and risk assessment.

Strong analytical and quantitative skills.

High attention to detail and strong documentation discipline.

Solid business and financial acumen

Excellent understanding of collateral management and commodity market dynamics

Excellent communication and credit report writing skills

High integrity, sound judgment, and commitment to ethical conduct.

Ability to work under pressure and meet deadlines

Strategic mindset with attention to regulatory and commercial balance

Collaborative, cross-functional team player

Benefits

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Manager • Victoria Island, LA, ng

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