Credit Risk Manager at Sabi

What You Will Be Doing

Develop and implement Katsu’s credit risk policies, underwriting standards, and risk appetite framework in line with CBN regulations.
Review and approve loan applications within delegated risk approval limits, ensuring adherence to underwriting standards.
Monitor credit portfolio quality and conduct periodic stress testing, scenario analysis, and portfolio analytics.
Lead continuous improvement of credit processes, decision systems, and risk controls.

Conduct detailed credit evaluations for micro, SME, retail, and structured lending facilities.
Review borrower financials, cash flows, collateral adequacy, guarantor quality, and repayment capacity.
Provide risk-mitigating recommendations and ensure all credit files meet regulatory and internal standards.
Support lending teams with structuring of transactions to ensure risk alignment.

Evaluate commodity-backed financing, warehousing transactions, and inventory-backed exposures.
Assess counterparty risks including suppliers, off-takers, aggregators, and warehouse partners.
Analyze commodity price movements, supply chain risks, and market volatility.
Ensure proper collateral management, stock verification, and monitoring of inventory movement.
Implement risk controls for commodity financing such as margin requirements, stock audits, insurance, and documentation integrity.

Track portfolio performance including PAR, NPL, roll rates, and early warning signals.
Develop monthly and quarterly risk reports for management, the Board, and regulators.
Ensure full compliance with CBN Microfinance guidelines, internal policies, and audit requirements.
Lead remediation plans for credit exceptions, operational lapses, and regulatory findings.

Work closely with Credit Sales, Operations, Compliance, and Finance to maintain portfolio quality.
Provide training for loan officers and business units on credit risk, fraud prevention, and documentation standards.
Support system development and automation of risk frameworks, including credit scoring models and data-driven approvals.

Oversee high-risk accounts and develop remedial action plans.
Partner with collections and legal teams on enforcement, restructuring, and recovery strategies.
Identify systemic gaps contributing to delinquency and propose process improvements.