Ascentech Services Limited - Our client, a rapidly expanding digital bank, is recruiting to fill the position below:
Job Title: Credit Officer
Location: Lekki Phase 1, Lagos
Employment Type: Full-time
Summary
Our client, a rapidly expanding Digital Bank, is seeking skilled and tech-savvy Credit Officers to join its innovative financial services team.
The ideal candidates will be responsible for assessing loan applications, managing digital credit portfolios, and ensuring sound risk management practices while leveraging data-driven tools to enhance decision-making.
Responsibilities
Evaluate digital loan applications using automated scoring models and perform detailed manual credit analysis when required.
Review applicants’ financial data, transaction histories, and alternative credit data sources to assess creditworthiness.
Recommend credit approvals or declines in line with internal policies and digital banking standards.
Monitor loan performance on the bank’s digital platforms and proactively identify potential defaults or fraud risks.
Collaborate with product and risk teams to improve credit processes and optimize lending solutions.
Generate and present digital credit reports and insights to management.
Ensure compliance with banking regulations, internal controls, and data protection standards.
Maintain accurate digital records of credit decisions and customer interactions within the bank’s platform.
Qualifications
Bachelor’s degree in Finance, Banking, Economics, Accounting, or related discipline.
1–3 years of experience as a Credit Officer, Credit Analyst, or Loan Officer, ideally within a fintech or digital banking environment.
Strong understanding of credit risk assessment, loan underwriting, and digital lending models.
Proficiency in using digital banking tools, credit scoring systems, and MS Office Suite.
Excellent analytical, communication, and decision-making skills.
Ability to work in a fast-paced, technology-driven banking environment.
Application Closing Date
3rd September, 2025.
How to Apply
Interested and qualified candidates should forward their CV to: cv@ascentech.com.ng using the Job Title as the subject of the mail.
Note: Only shortlisted candidates will be contacted.
