HEAD OF CREDIT AT PEOPLE CAPACITY MANAGEMENT

About Company:

People Capacity Management is a human resources and management consulting firm located in Lagos, Nigeria. We provide services, expertise and resources to both the private and public sectors through our deep knowledge of issues specific to industries and sectors.

We are recruiting to fill the position below:

Job Description:

• Develop and maintain credit policies, procedures, and underwriting guidelines.
• Implement scoring models and risk-adjusted pricing strategies in collaboration with data and analytics teams.
• Oversee credit appraisal processes across products (personal loans, SME lending, etc.).
• Approve credit decisions within designated authority limits; escalate higher-risk cases.
• Monitor portfolio quality, delinquency trends, and early warning signals
• Lead a team of credit analysts and underwriters (if applicable).
• Train and mentor junior staff on credit processes and risk frameworks.
• Work closely with Product, Operations, Collections, and Tech to align credit strategy with business goals.
• Drive efficiency through digital KYC, credit bureau integration, and alternative data usage.

Requirements:

• Bachelor’s degree in Finance, Economics, Business, or related field; MBA or CA preferred.
• 3–5 years of experience in credit underwriting, credit risk, or related roles in financial services.
• Strong understanding of credit products, lending lifecycle, and risk metrics.
• Exposure to credit bureau reports, financial statement analysis, and scoring models.
• Experience with NBFCs, fintech platforms, or banks is highly desirable.
• Analytical mindset with strong decision-making and communication skills.
• Familiarity with regulatory guidelines (RBI, NBFC norms) is a plus.

Salary

Application Closing Date: 30th October, 2025

Application Instructions:

Qualified candidates should send their CV to: recruitment@peoplecapacitymanagement.com using the job title as the subject of the mail.