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 :
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
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 of regulatory requirements
Credit management skills
Scenario planning skills
Banking process skills
Risk management skills
Credit risk management skills
Credit assessment 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.