GRADUATE TRAINEE - CREDIT RISK AT CARBON NIGERIA

About Company:

Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset. 

We are recruiting to fill the position below:

Job Description:

• We are seeking a motivated and detail-oriented individual to join our Credit Risk team as a Credit Risk Trainee.
• This program is designed for early-career professionals with a strong interest in credit risk management, data analysis, financial modeling, and decision-making in a digital banking environment.
• The Credit Risk Trainee will gain hands-on experience in critical areas such as credit risk analysis, loan portfolio management, credit decisioning, fraud detection, and underwriting processes.
• You will work closely with the Head of Credit Risk and other senior team members, contributing to high-impact projects that require strong analytical skills and a deep understanding of credit risk factors.

Key Responsibilities
Assist in analyzing credit data to assess loan applications and risk levels:

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of customers.
• Evaluate the customer's repayment capacity, willingness to pay, and credit history.
• Review and approve or decline credit applications based on established criteria.

Monitor the credit risk portfolio:

• Track and monitor the performance of existing credit portfolios.
• Identify trends and early warning signs of credit deterioration.
• Implement strategies to mitigate credit risk and improve portfolio quality.

Ensure regulatory compliance:

• Ensure compliance with all relevant credit risk regulations and guidelines.
• Maintain accurate records and documentation.
• Collaborate on fraud detection and prevention measures.
• Participate in loan portfolio performance tracking and reporting.
• Provide insights and recommendations to improve the lending process and mitigate risk.

Requirements:

• Minimum of a Bachelor’s degree in any discipline.
• 2+ years experience in a Start-up, Fintech or Financial Industry. 
• Experience in credit risk management, data analysis, or financial modeling.
• Strong analytical skills with attention to detail.
• Ability to work in a fast-paced environment and manage multiple tasks.
• Logical thinker evidenced by strong numerical/data skills or programming/coding experience (SQL, Retool, Python, R, Tableau, Looker Studio, Power BI, Qlikview).
• Familiarity with other data analytics tools, or other relevant software is a plus.
• Familiarity with data wrangling, processing and visualization concepts and best practices.
• Ideal candidates will be PRIMED - Passionate, Resourceful, Intellectual, Maverick, Executor, and Data-Driven.

Salary

Application Closing Date: Not specified

Application Instructions:

CLICK ON THE LINK BELOW TO APPLY