The Role
Lead credit risk assessment for debt and RBF transactions, oversee enterprise risk framework, and maintain internal risk ratings. Develop risk appetite framework and manage provisioning models. Present risk opinions to the Investment Committee and lead stress testing.
Summary Generated by Built In
Our client is an Africa-focused private capital fund manager investing in small and growing businesses across Nigeria, Côte d'Ivoire, and Senegal.
Job Summary
The Risk Manager will lead credit risk assessment for every debt and RBF transaction the company originates, and oversee the fund's enterprise risk framework. You will bring the rigour of a banking risk function to an impact-focused SME fund — independently challenging deals, sizing exposures, and ensuring the portfolio stays within risk appetite.
Key responsibilities
- Independently review every credit memo, performing full credit analysis on each prospective debt and RBF transaction, including cash-flow stress testing and scenario analysis.
- Own the internal risk rating methodology and maintain risk ratings across the portfolio on a rolling basis.
- Present independent risk opinions to the Investment Committee on each transaction — with authority to escalate concerns.
- Develop and maintain the company's risk appetite framework, concentration limits, sector caps, and country exposure limits.
- Lead enterprise risk management across credit, operational, compliance, FX, and liquidity risk; maintain the risk register and report to the Board.
- Design the provisioning and expected credit loss (ECL) model for the portfolio.
- Work with the Portfolio Monitoring Manager to run portfolio-level stress tests and early-warning analytics
Requirements
- 5–10 years of credit risk experience, with a strong foundation in commercial, corporate, or SME banking risk.
- Proven micro-level credit analysis skills — you can independently size and rate a debt transaction from raw financials.
- Experience with debt transactions is essential; exposure to non-traditional instruments (RBF, mezzanine, trade finance) is a strong plus.
- Familiarity with Basel II/III frameworks, IFRS 9 ECL modelling, and CBN prudential requirements.
- Bachelor's degree in Finance, Economics, Accounting, or related field; FRM, CFA, or professional accounting qualifications strongly preferred.
- Demonstrated ability to hold an independent view and push back constructively on investment teams.
- Experience in a DFI, impact fund, or microfinance institution is a plus
Skills Required
- 5-10 years of credit risk experience in commercial, corporate, or SME banking risk
- Proven micro-level credit analysis skills
- Experience with debt transactions is essential
- Familiarity with Basel II/III frameworks and IFRS 9 ECL modelling
- Bachelor's degree in Finance, Economics, Accounting, or related field
- FRM, CFA, or professional accounting qualifications
- Demonstrated ability to push back constructively on investment teams
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The Company
What We Do
Alan&Grant is a People Development Company creating innovative HR & Organisational Development Solutions for result-driven organizations, focusing on improving performance and aligning the workforce.
