CHIEF RISK OFFICER / RISK MANAGER AT CASHXPRESS NIGERIA LIMITED | RISK JOBS IN LAGOS

About Company:

We bridge the financial gap for individuals by providing fast loans with competitive interest rates and without discrimination.

Job Description:

We are seeking a high-velocity and analytically elite Chief Risk Officer / Risk Manager to anchor the end-to-end risk ecosystem of CashXpress Nigeria. In the volatile digital lending landscape, success is defined by "Risk Sovereignty", the ability to harmonize high-growth credit disbursement with the clinical precision required for fraud prevention, AML/CFT compliance, and operational resilience. This role is designed for a "Risk Architect" with 5–10 years of experience who can blend "Analytical Grit" (stress testing and predictive modeling) with the "Executive Diplomacy" required to manage regulatory relationships and board-level reporting.

Requirements:

1. Framework Architecture & Credit Sovereignty

• Risk Governance: Develop and maintain the high-fidelity Nigerian risk framework, establishing a clear "Risk Appetite" and escalation protocols that align with board expectations.

• Portfolio Surveillance: Monitor portfolio quality with millimetric precision, utilizing stress testing and scenario analysis to identify early-warning signals and approve risk-adjusted pricing.

• Data-Driven Decisioning: Collaborate synchronously with Data Science and IT to implement predictive risk scoring models, ensuring that data quality remains a "Source of Truth" for underwriting.

2. Operational Resilience & Fraud Mitigation

• Process Engineering: Design robust controls to minimize operational failures and cyber risks, ensuring that process deviations are identified through clinical root cause analysis.

• Fraud Sovereignty: Lead high-velocity anti-fraud initiatives, including transaction monitoring and identity verification (KYC), to de-risk the ecosystem from evolving financial crimes.

• Compliance Stewardship: Ensure 100% adherence to Nigeria’s AML/CFT regulations and data privacy rules (NDPR), maintaining an "Audit-Ready" status for all regulatory inspections.

3. Regulatory Diplomacy & Cultural Leadership

• Stakeholder Interface: Liaise with regulators and external auditors with professional diplomacy, preparing for examinations and ensuring the closure of all audit findings.

• Risk Culture Advocacy: Foster a strong risk culture across the organization, mentoring the risk team and collaborating with collections, product, and finance units.

• Governance Reporting: Produce high-impact risk reports for executive leadership and the Board, providing the insights necessary to balance growth with prudent controls.

Qualifications and Skills:

Professional Profile

• Education: Bachelor’s degree in Finance, Economics, or a related field (MBA/MSc in Risk/Finance is a significant asset).

• Experience: 5–10 years of robust experience in Risk Management within the Fintech, Digital Lending, or Microfinance sectors in Nigeria.

• Certifications: Professional credentials such as FRM (Financial Risk Manager) or PRM are highly preferred.

Core Competencies

• Analytical Power: Strong understanding of credit risk modeling, portfolio management, and data privacy.

• Regulatory Mastery: Deep familiarity with CBN/regulatory expectations for digital lending and consumer protection.

• Strategic Grit: Excellent stakeholder management skills with a proven ability to lead in fast-growth environments.

Salary

Application Closing Date: Not specified

Application Instructions:

Interested and qualified candidates should forward their CV to: hr@cashx.ng using the position as subject of email.