Portfolio Manager

We are recruiting to fill the position below:

Job Title: Portfolio Manager

Location: Lagos

The Role

• This role will lead portfolio performance monitoring, market analysis, credit strategy optimization, and expansion initiatives across multiple geographies. Working closely with Credit Risk, Product, Finance, Data, Collections, and Business teams, the Portfolio Manager will drive data-driven decisions that maximize portfolio quality and business performance.
• The Portfolio Manager is responsible for developing, implementing, and managing credit portfolio strategies that support the Bank's expansion into new markets and regions. The role ensures sustainable portfolio growth by balancing risk, profitability, and customer acquisition while adapting credit strategies to local market dynamics and regulatory environments.
• This role is ideal for someone with strong expertise in portfolio management, retail lending, credit analytics, and expansion strategy within banking or fintech.

What You Will Do

• Ensure compliance with internal credit policies, regulatory requirements, and governance standards.
• Drive continuous improvement initiatives across portfolio analytics, reporting automation, and risk management processes.
• Conduct deep-dive analysis on regional portfolio performance and provide actionable recommendations to senior management.
• Design localized credit strategies based on customer behaviour, market conditions, regulatory requirements, and portfolio performance.
• Work closely with Risk, Data Science, Technology, Collections, and Operations teams to improve portfolio performance and customer outcomes.
• Collaborate with Finance on Expected Credit Loss (ECL), impairment analysis, and portfolio provisioning.
• Monitor portfolio quality, profitability, and growth across multiple regions using key credit risk metrics.
• Analyse portfolio trends, customer segments, and product performance to identify growth opportunities and emerging risks.
• Perform portfolio forecasting, scenario analysis, stress testing, and profitability assessments.
• Monitor key portfolio indicators including delinquency, default rates, recoveries, vintage performance, roll rates, and loss trends.
• Partner with Product and Business teams to support the launch of new lending products and market expansion initiatives.
• Recommend enhancements to underwriting policies, pricing strategies, and portfolio limits to optimise business performance.
• Develop and execute portfolio strategies to support expansion into new markets and regions.
• Develop automated dashboards and portfolio reporting to support executive decision-making.

Requirements
What You Bring:
Educational Qualification:

• Bachelor's Degree or Higher National Diploma in Finance, Economics, Statistics, Mathematics, Business Administration, Engineering, Computer Science, or a related quantitative discipline.
• A Master's degree is an added advantage.

Professional Certifications:

• Microsoft Power BI, SQL, Python, SAS, or equivalent data analytics certifications are desirable.
• Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) certification is preferred.
• Professional certifications in Credit Risk Management or Portfolio Management are an added advantage.

Experience:

• 5–7 years of experience in Portfolio Management, Credit Risk, Credit Analytics, or Retail Lending.
• Hands-on experience managing consumer lending portfolios within banking, fintech, or other financial institutions.
• Experience supporting regional expansion, multi-market portfolios, or new market launches is an added advantage.

Professional Competencies:

• Strong analytical skills with experience using SQL, Excel, Power BI, Python, SAS, or similar analytical tools.
• Experience analysing portfolio performance using key risk and financial metrics.
• Strong understanding of retail lending, portfolio management, and credit risk principles.
• Strong understanding of lending products, customer behaviour, and market dynamics.
• Strong commercial acumen with the ability to balance business growth and portfolio quality.
• Ability to work effectively in a fast-paced, data-driven environment while managing multiple priorities.
• Knowledge of IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio profitability.
• Experience with portfolio segmentation, vintage analysis, roll rates, delinquency monitoring, and stress testing.
• Excellent communication, stakeholder management, and presentation skills.

This Role Is Ideal For You If:

• You thrive in high-growth, fast-paced financial services environments.
• You are passionate about using data to drive strategic business decisions.
• You enjoy collaborating with cross-functional teams to deliver business outcomes.
• You are motivated by solving complex portfolio and credit risk challenges.
• You enjoy building and optimising lending portfolios across new markets.

You May Not Enjoy This Role If:

• You are uncomfortable working with large datasets and financial analysis.
• You dislike balancing commercial growth with risk management.
• You prefer operational or administrative work over strategic portfolio management.
• You prefer highly repetitive work with limited opportunities for innovation and strategic thinking.

Benefits
What's In It For You:

• Continuous learning, professional certifications, and career development opportunities.
• Opportunity to collaborate with Credit Risk, Product, Finance, Data, Engineering, and Executive Leadership teams.
• Opportunity to lead portfolio strategy for regional expansion within a fast-growing fintech organisation.
• Competitive compensation and the opportunity to influence business growth while managing portfolio performance across multiple markets.
• Exposure to large-scale lending portfolios, market expansion, and strategic growth initiatives.