InvoizPAID - Credit Risk Officer
Seedstars Group
Lagos Nigeria
13d ago

Who we are

invoizPaid () is a Fintech based company, based in Lagos Nigeria. We focus is to change the way African SME's access working capital.

We do this via three core product offerings :

  • Invoice Discounting
  • Merchant Finance (eCommerce)
  • Trade Finance (Distributors & Retailers)
  • invoizPAID provides quick and easy access to short term financing for SME in order for them to solve their current cash flow problems.

    Lumpy cash flow and long payment cycles put a strain on a small business's working capital. invoizPAIDs quick and easy solution enables SMEs to cash in their invoices within 48 hours.

    We are backed by Seedstars, a Swiss based venture capital firm.

    Why work at invoizPAID ?

  • We have a successful business model that’s scaling rapidly
  • Be part of a small and ambitious team - we’re always learning, and continuously improving
  • You’ll take a key position in the business and lead it to success
  • You’ll thrive in our results-driven culture and be positioned to create tremendous impact
  • You’ll work with talented teammates who know how to have fun while delivering for our customers
  • Why you'll fit in ?

  • You like digging into the details to solve tough problems
  • You are resourceful, creative and most importantly self-motivated
  • You are a structured thinker, able to break down tough problems into meaningful components
  • You are a people's person and good with all kind of different mentalities and backgrounds
  • Job Details :

    Credit Risk Officer needs to understand all risks from the economic to the political that could affect our business model, and offering guidance to all parts of the business.

    Provide effective value adding risk management in achieving the asset growth targets, while maintaining a quality lending book within the ambit of our policies and guidelines.

    Key Responsibilities / Accountabilities

  • Lead the credit risk assessment and manage day-to-day operations
  • Think outside the box and create innovative credit evaluation processes and systems
  • Identify and approve the small businesses that can best benefit from our services
  • Evaluate clients for credit worthiness based our internal risk models & their application information
  • Weed out fraudulent applications, and unreliable applicants
  • Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts
  • Build relationships and communicate with similar businesses to ensure information and knowledge sharing
  • Continuously ensure alignment / compliance to the credit risk management framework
  • Continuously analyse and recommend improvement on credit risk management framework, processes and systems
  • Your profile

  • Minimum Bachelor's degree
  • Preferably Institute of Bankers Diploma or a B.Com degree
  • Minimum 3+ years working experience in Financial Sector (Banking, Accounting, Tax, Legal, etc.) whereof minimum 1+ year being in credit
  • Previous experience with credit risk, invoice discounting or financial operations is a plus
  • Dependable, positive and detail-oriented with excellent follow-through skills
  • Leadership potential & interest
  • Have a desire to help small businesses
  • A team player, a quick thinker and a fast learner
  • Superior verbal and written communication skills
  • Excited about growing your career within a rapidly growing company
  • Able to learn and adapt rapidly
  • Knowledge

  • Knowledge of regulatory requirements
  • Credit management skills
  • Scenario planning skills
  • Process understanding
  • Risk awareness
  • Banking process skills
  • Skills Required

  • Risk management skills
  • Credit risk management skills
  • Credit assessment skills
  • Selling skills
  • Business modelling skills
  • PC literacy (Excel is a must!)
  • Benefits and perks

  • Exposure to cultures and ecosystems from over 60 countries within Seedstars ecosystem
  • Build your network in emerging markets of tech entrepreneurs and investors
  • Join a young, passionate, hungry and growing team of entrepreneurs & facilitators
  • Bootstrap salary (open compensation model available based on experience, location, seniority, etc...)
  • We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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