CIML Outsourcing is an HR and Finance consulting company specializing in recruitment, onboarding, and training, helping SMEs build stronger businesses through the right people, effective structures, and tailored HR solutions.
We
are recruiting to fill the position below:
Job Title: Senior Risk & Business Operations Analyst
Location: Jabi, Abuja (FCT)
Employment Type: Full-time
Reporting To: Principal Partner / CEO
Industry: Lending & Financial Services
About the Role
We
are seeking an experienced Senior Risk & Business Operations Analyst to
lead credit-risk
evaluation,
strengthen operational processes, and support executive decision-making.
The
successful candidate will conduct detailed assessments of customer records and
issue loan offers only after full evaluation and verification, and strictly
after the Principal Partner has granted approval in principle.
Key Responsibilities
Conduct
advanced credit assessments using financial statements, credit bureau
Reports,
bank records, physical visits when necessary, and verification data.
Prepare
comprehensive credit evaluation reports for review and approval in principle by
the Principal Partner/CEO.
Issue
formal loan offers to qualified customers after full evaluation and upon
receiving approval in principle.
Enhance
and oversee operational workflows across loan origination, underwriting,
disbursement, and recovery.
Monitor
portfolio performance, delinquency trends, and operational KPIs.
Ensure
compliance with CBN regulations, KYC/AML standards, and internal credit
policies.
Maintain
audit-ready documentation and support internal/external audits.
Identify
emerging risks and recommend strategic mitigation measures.
Collaborate
with collections, finance, customer service, and external partners to ensure
smooth operations.
Manage
the activities of loan/sales agents and prepare weekly and monthly reports.
Provide
guidance and mentorship to loan agents and operational staff.
Requirements
Bachelor’s
Degree in Finance, Economics, Accounting, Statistics, Business Administration,
or related field.
5–8
years of experience in credit risk, lending operations, or financial-services
risk management.
Strong
analytical skills with proficiency in Excel, SQL, Power BI, or other
data-analysis tools.
Deep
understanding of Nigerian lending practices, credit-bureau systems, fraud-risk
patterns, and regulatory frameworks.
Excellent
communication and report-writing skills.
High
integrity, sound judgment, and strong attention to detail.
Preferred
Skills:
Experience
in digital lending or microfinance.
Familiarity
with risk-scoring engines or loan-management systems.
Strong
process-optimization and operational leadership capabilities.
What We Offer
Competitive
compensation package.
Opportunity
to work directly with executive leadership.
A
structured, professional, and performance-driven work environment.
Application Closing Date
Not
Specified.
How to Apply
Interested
and qualified candidates should send their updated CV o: chiborinvestmentsml@gmail.com using the Job Title as the
subject of the email.
