Credit Analyst & Portfolio Officer at Hadi Finance

A financial services company dedicated to supporting market traders, retailers, and small businesses across Nigeria. We provide innovative working capital and business infrastructure solutions designed around the realities of informal commerce. By combining technology, financing, and operational support, we help entrepreneurs access the resources they need to grow, manage cash flow, and build sustainable businesses.

Role Overview


We're looking for a Credit Analyst & Portfolio Officer who can evaluate loan applications accurately and manage the health of an active lending portfolio day to day. You will be responsible for both the quality of credit decisions before disbursement and the ongoing performance of the loan portfolio after disbursement.
This is not a policy-writing or oversight role. You will be reviewing real applications, making real recommendations, tracking real repayments, and flagging real risks on a portfolio that is growing. You need to be someone who is comfortable with numbers, pays close attention to detail, and understands how informal businesses actually operate.
You will work closely with the operations team, the finance function, and directly with Management. This is a hybrid role based in Abuja.


Success in This Role


Maintaining high-quality credit decisions and underwriting accuracy
Monitoring and improving portfolio performance, including PAR and NPL metrics
Ensuring timely and accurate portfolio reporting
Identifying and escalating portfolio risks early
Maintaining accurate and complete credit and portfolio records
Contributing insights that improve underwriting and portfolio management practices


What You'll Do


Credit Assessment & Underwriting
Review loan applications submitted by field officers and assess borrower eligibility using Hadi's underwriting criteria
Analyse alternative data inputs: supplier purchase records, inventory audits, repayment history, and field verification reports
Make clear, well-reasoned credit recommendations: approve, decline, or recommend modified terms
Identify gaps or inconsistencies in application data and follow up with the field team to resolve them before disbursement
Maintain a consistent turnaround time on credit reviews without compromising on accuracy
Portfolio Monitoring & Risk Management
Monitor the active loan portfolio daily, tracking repayment performance, overdue accounts, and early warning signals
Maintain up-to-date portfolio data including disbursement balances, repayment schedules, and NPL status
Flag at-risk accounts early and work with field officers to initiate follow-up before accounts become delinquent
Produce regular portfolio health reports covering NPL ratios, collection rates, and segment performance
Escalate high-risk or unresolved delinquency cases to leadership with clear documentation and a recommended course of action
Collections Support
Collaborate with field officers on recovery strategies for overdue accounts
Track recovery outcomes and update portfolio records accordingly
Reporting & Data Integrity
Ensure all credit and portfolio data is accurately recorded and up to date at all times
Prepare weekly and monthly portfolio performance reports for the CEO and finance team
Identify patterns in defaults or delinquency and surface insights that can improve underwriting criteria or field practices
Support the finance team with loan book data required for investor reporting and financial statements
Process & Compliance
Ensure all credit decisions are documented and traceable
Maintain and update the credit assessment framework as the portfolio evolves
Flag any process gaps or data quality issues that could affect portfolio integrity


What We're Looking For

Experience


2 - 4 years of hands-on experience in credit analysis, loan underwriting, or portfolio management
Mandatory background in microfinance, fintech lending, commercial banking, or financial services
Demonstrated experience reviewing and making decisions on real loan applications, not just supporting a senior analyst
Exposure to informal and SME lending is a strong advantage
Experience working in a lean or early-stage organisation is an advantage


Education


Bachelor's degree in Finance, Economics, Accounting, or a related field


Location

Must be based in Abuja

Core Competencies & Skills


Strong analytical and numerical ability, comfortable working with loan data, repayment schedules, and portfolio metrics
Deep understanding of credit risk in informal and SME lending contexts
Proficiency in Excel or Google Sheets for portfolio tracking and reporting
Attention to detail, catches inconsistencies, questions assumptions, and does not approve what doesn't add up
Clear written communication, can document a credit decision or portfolio risk in plain language
Proactive and self-directed, monitors the portfolio without being prompted and escalates early
High integrity, trusted with sensitive borrower and investor data, and makes credit decisions without bias or shortcuts


What You'll Get

₦200,000 - ₦300,000 monthly salary based on experience

Hybrid work arrangement

Opportunity to work directly with senior leadership

Exposure to end-to-end fintech lending operations

Opportunity to help build and improve credit and portfolio management systems as the company scales

A fast-paced environment with significant learning and growth opportunities