Senior Credit Risk Analyst  Abuja

Kaplo is Africa's most innovative Human Resource & Business Support Solutions provider, serving clients with cutting-edge business advisory and human capital solutions across diverse sectors of the African economy.

At Kaplo, we have proven expertise in business advisory and human resource capabilities targeted at productivity, profitability, sustainability, transformation and overall growth of your business. We are recruiting to fill the position below: Recruitment& Staffing

 Job Title: Senior  Credit Risk Analyst

Location: Abuja

Employment Type: Full-Time

Industry:  Financial Services / Lending / Banking About the Role

We are looking for a highly analytical and commercially minded Senior Credit Risk Analyst to join our team in Abuja.

Conduct comprehensive credit assessments for individuals, SMEs and/or corporate customers. Review loan applications, financial statements, bank statements, cash flows, management accounts and other relevant credit information. Analyse borrowers' financial capacity, repayment ability, leverage, liquidity, profitability and cash-flow position. Prepare detailed credit appraisal reports and make clear recommendations for approval, restructuring, reduction or decline. Identify key credit risks and recommend appropriate mitigants, conditions precedent and monitoring requirements. Conduct industry, business and borrower risk assessments to support informed credit decisions. Monitor existing loan portfolios and identify early warning signals of potential deterioration. Review customer repayment behaviour, exposure levels, collateral positions and covenant compliance. Support the development and implementation of credit risk policies, procedures and underwriting standards. Analyse portfolio performance and provide insights on delinquency, default, concentration and credit-quality trends. Work closely with Credit, Risk, Collections, Finance, Business Development and Operations teams. Participate in the review and improvement of credit scoring models, risk-rating methodologies and credit decision frameworks. Ensure compliance with internal credit policies, regulatory requirements and approved risk appetite. Prepare periodic credit risk reports for senior management and relevant committees. Conduct post-disbursement reviews and recommend appropriate risk-control actions. Support stress testing, scenario analysis and portfolio risk assessments where required. Keep abreast of developments in the Nigerian financial services and lending environment that may affect credit risk.

Bachelor's degree in Accounting, Finance, Economics, Statistics, Mathematics, Business Administration or a related discipline. Professional qualification such as CFA, ACCA, ICAN, CIBN, FRM or equivalent will be an advantage. Minimum of 5–8 years' relevant experience in Credit Risk/Credit Analysis, preferably within: Commercial Banks, Merchant Banks, Finance Houses, Microfinance Banks, Lending Companies, Fintech/Lending Fintechs, Asset/Investment Management, Other regulated financial institutions. Strong experience in credit appraisal, financial analysis, underwriting and portfolio risk management. Excellent understanding of financial statements and ability to interpret financial performance and cash-flow trends. Strong knowledge of credit risk principles, lending practices and risk mitigation techniques. Experience analysing both SME and corporate credit will be an advantage. Strong proficiency in Microsoft Excel and financial modelling. Excellent analytical, numerical and problem-solving skills. Strong report-writing and presentation skills. Ability to challenge assumptions and make objective, evidence-based credit recommendations. High attention to detail, integrity and sound professional judgement.

Discover morefinancialBanksFinanceWhy Join Us?

Competitive salary of N800,000 – N1,000,000 monthly, depending on experience and capability. Opportunity to play a strategic role in credit and risk decision-making. Exposure to diverse lending and financial services transactions. Opportunity to work closely with senior management. Strong career growth potential within a growing financial services organisation.

10th August, 2026. How to Apply

Interested and qualified candidates should send their CVs to: [Email hidden - Login to reveal] using “Senior Credit Risk Analyst – Abuja” as the subject of the email.

Note: Only shortlisted candidates will be contacted.