Head of Credit Risk and Operations (MFB/Fintech)
Black Pen RecruitmentLagos, Lagos State, Nigeria
Posted January 5, 2026
Full Time
About the Company
Black Pen Recruitment, headquartered in Cape Town, is a leading specialist agency serving the fintech and cryptocurrency sectors across Africa and beyond. Since 2012, the firm has built a robust talent pool of over 120,000 candidates and partnered with more than 180 clients—from startups to multinational corporates—to place top-tier professionals in roles that drive innovation. Their distinctive advantage lies in deep industry focus, a network of internationally trained recruiters, and a strategic presence in Malta that expands their reach into e‑commerce, digital banking, SaaS, tech, and travel markets. Black Pen’s culture of excellence and dedication positions it as a trusted partner for companies looking to grow their teams with the right expertise.
Job Description
Our client is seeking a strategic and hands-on Head of Credit Risk to lead the design and implementation of their credit risk framework from the ground up.
Requirements
- Minimum of 5 years post-qualification experience in credit, risk management, or lending.
- Proven experience in credit risk assessment, policy formulation, and portfolio management.
- Bachelor's degree (required); a Masters degree or professional certification (e.g., CIBN, ICAN, ACCA, CRMP, PRM, or CFA) is an added advantage.
- In-depth understanding of CBN guidelines, internal control frameworks, AML, KYC, and risk management practices.
- Strong leadership, communication, and interpersonal skills.
- Excellent analytical, problem-solving, and decision-making capabilities.
- Experience designing and refining credit products for SMEs or individuals.
- Familiarity with credit bureau APIs, digital KYC tools, and loan management systems.
- Comfortable working in a fast-paced, tech-enabled environment.
Benefits
- Competitive salary and compensation package
- Full medical coverage
- Fully covered parental leave
- Leadership in a growing financial institution
- Smart, kind colleagues who’re invested in your growth