Risk Control Manager (Merchant Loan)

PalmPay is a pan-African Fintech company currently operating in Nigeria, Ghana, Kenya, Uganda, and Tanzania and expanding to other markets this year. We are reinventing the payment experience by making it easy and reliable for everyone to transfer money, pay bills and shop online. Responsibilities:

• Develop and implement comprehensive risk management strategies and processes for merchant loans to ensure the effective control of risks throughout the loan issuance process.
• Create and maintain risk assessment models for merchant loans, including in-depth credit evaluations and assessments of repayment capacity for merchants.
• Establish and oversee standards for reviewing merchant loan applications, guiding the risk assessment and decision-making during the approval process.
• Continuously monitor and analyze the asset quality of merchant loans, proactively identifying and addressing loan delinquencies and defaults.
• Design and implement a robust risk monitoring system for merchant loans, generating regular risk reports and effectively communicating the risk status to management.
• Collaborate cross-functionally with multinational teams to ensure compliance with relevant regulations and internal risk management guidelines.
• Periodically evaluate the effectiveness of risk management strategies for merchant loans, making necessary adjustments and optimizations in response to market changes and regulatory requirements.

• Bachelor's degree or higher in Finance, Risk Management, Statistics, or a related field (preferred).
• Over 5 years of professional experience in risk management and loan review, with a strong understanding of merchant loan products and industry dynamics.
• Familiarity with relevant financial market regulations and a strong sense of risk awareness and compliance.
• Proficiency in data analysis and processing, including the use of risk assessment tools and models.
• Exceptional communication and teamwork skills, enabling effective collaboration with individuals from various departments and at all organizational levels.
• Strong problem-solving abilities and adaptability, capable of effectively handling emergencies and risk events even under pressure.