Credit Policy Analyst
Posted 27 Jul 2026
BranchFactor Summary
The original posting with the fluff stripped out
- Expected experience
- 4–6 yrs
- Management level
- Individual contributor
No salary listed for this role.
CertificationsFinancial Risk Manager (FRM), Chartered Financial Analyst (CFA)
Field of studyBusiness Administration, Computer Science, Economics, Engineering, Finance, Mathematics, Statistics (or related)
Study levelDiploma or higher
Who We Are:
We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience.
The Role:
The Credit Policy Analyst is responsible for designing, implementing, and continuously improving credit policies and underwriting strategies for new lending products, including Credit Cards, Credit Lines, Buy Now Pay Later (BNPL), Merchant Financing, and other emerging digital credit solutions.
The role partners closely with Credit Risk, Product, Data Science, Fraud, Technology, Finance, and Operations teams to ensure new products are launched with robust credit decisioning frameworks that balance portfolio growth, customer experience, profitability, and risk management.
This role is ideal for someone with strong expertise in credit policy development, consumer lending, and data-driven decision-making within a fast-paced banking or fintech environment.
What You Will Do:
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Design and develop credit policies for new lending products, including Credit Cards, Credit Lines, BNPL, Merchant Financing, and other digital lending solutions.
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Define customer eligibility criteria, underwriting standards, credit limits, pricing strategies, and approval rules for new products.
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Develop, test, and optimize credit decision rules, scorecards, and policy frameworks to improve portfolio quality and customer acquisition.
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Monitor the performance of newly launched products and recommend policy enhancements based on portfolio analytics and business performance.
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Conduct policy simulations, scenario analysis, and impact assessments before implementing credit policy changes.
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Collaborate with Product, Data Science, Fraud, Engineering, Collections, and Finance teams throughout the product development lifecycle.
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Analyse customer behaviour, repayment trends, portfolio performance, and profitability to support policy improvements.
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Recommend changes to approval strategies, credit limits, pricing, and risk controls based on portfolio performance and market trends.
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Develop automated dashboards, portfolio monitoring reports, and policy performance metrics for management reporting.