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Lead, Credit Analysis



Lagos, Nigeria
Posted on Friday, August 11, 2023

About us

Sabi is Africa’s leading provider of enabling infrastructure powering the distribution of goods and services. Our platform enables and empowers a broad ecosystem of users, allowing merchants, importers, exporters, distributors, and manufacturers to expand their capabilities and grow their businesses using Sabi’s technology rails.

Job Description

About Us

Sabi is Africa’s leading provider of commercial infrastructure for the distribution of goods and services. Its platform enables and empowers the most underserved merchants in the world, allowing agents, merchants, aggregators, distributors, and manufacturers to expand their capabilities and grow their businesses using Sabi’s technology rails. These rails provide access to supply, logistics, business tools, data insights and financial services.  
This could mean ensuring a great assortment of low-priced goods is available to them, providing a way for them to manage inventory, or facilitating finance. Our aim is to understand the informal economy better than anyone and help them grow in ways they haven’t before.  

Our Values
  • Excellence - Be the Best. Highest standards. Consistently.
  • Value Focused  - Make sure we give users the best value. All the time.
  • Big minds  - Innovate. Think big. Be open. Don’t be petty. No ego. No castles.
  • Knuckle down  - Do the work. Get your hands dirty. Deliver
  • Kindness - Be considerate. Life is stressful enough
  • Ownership - Everything is your job. Take responsibility. Drive it.
  • Simplicity - Strip it down. Get to the essence.

Job Purpose

The Lead, Credit Analysis will be responsible for the organization's lending process, from evaluating clients’ creditworthiness to approving or rejecting loan requests. You will help us minimize bad debts and increase revenues from loans.  

Job Responsibilities
  • Risk assessment of credit applications received from the commercial teams from different sectors (FMCG, Agriculture, Chemicals, etc.) and making recommendations for Management’s approval. 
  • Preparation of Executive Summary in respect of application for the consideration of the Management Credit Committee (MCC). 
  • Attending to queries and clarifying issues raised by Commercial Officers in respect of credit applications. 
  •  Carrying out periodic review of credit product papers to facilitate efficient workflow. 
  • Participates in determining performance standards (especially turnaround time) and monitoring adherence to set targets as appropriate. 
  • Acts as a resource person for training and development sessions for subordinates, other credit analysts and relationship/commercial managers in the market facing units. 
  • Supervises the analysis and processing of approvals of credit requests from commercial unit. 
  • Provides consulting and advisory functions for the business units in such areas as transaction structuring, interpretation of credit policy, etc. 
  • Spearheads the implementation of various process improvement initiatives in order to drive higher efficiencies in the credit process. 
  • Participates in credit strategy and credit policy formulation to ensure alignment with the organization’s objectives and goals. 
  • Engages in joint calls with the commercial units to discuss credit transactions, and as part of the efforts to monitor the customers’ performance and risk profile. 
  • Determines Turn Around Time targets and other performance standards and monitors progress to ensure that targets are met. 
  • Acts on behalf of and performing any other duties that may be assigned by the Head Credit 


Special Skills and Qualifications
  • B.Sc. in management, Accounting, Finance, Actuarial Science, or its related field.   
  • At least 5 years' work experience as a Credit Analyst in any commercial bank.  
  • Hands-on experience with relevant credit/finance related software  
  • Solid understanding of lending procedures.  
  • Excellent analytical skills, with the ability to create and process financial spreadsheets. 
  • Strong analytical and critical thinking ability. 
  • Strong data driven thinker, ideally with previous experience in commercial and operational areas 
  • Self-starter; highly driven individual that will take ownership from the get-go and proactively look for improvement.  
  • Strong leadership skills and demonstrated ability to work with a very diverse workforce.  
  • Excellent written and verbal communication skills.  
  • Excellent organizational, leadership, analytical problem solving and strategic thinking skills  
  • High integrity with zero tolerance for any unethical business practice 

    Candidate Specification
  • Motivated by the mission of Sabi

  • Pragmatic with quantitative and analytical ability and attention to detail

  • Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities

  • High level of integrity and dependability with a strong sense of urgency.

  • A focus on execution. Willing and able to get hands dirty.

  • Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself .


  • Rapid Career Growth
  • Annual Training Budget
  • Robust Health Coverage, including
    • Optical Cover, and
    • Dental Cover
  • Wellness Programs, including
    • Free Gym Cover
    • Free Spa Cover
  • Competitive Pension Plan
  • Opportunity to work in other global office.
  • Life Cover
  • Performance Bonus
  • Paid Vacation Days
  • Fully-funded Team Bonding Activities