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  • Credit Risk Manager - Lagos - Reform Capital Solutions (Recapss)

    Reform Capital Solutions (Recapss)
    Reform Capital Solutions (Recapss) Lagos

    2 months ago

    ₦900,000 - ₦1,200,000 (NGN) per year *
    Description

    Today

    R

    Credit Risk Manager


    Reform Capital Solutions (Recapss)


    Accounting, Auditing & Finance


    Lagos Full Time

    Banking, Finance & Insurance Confidential

    • Minimum Qualification :
    • Experience Level : Entry level
    • Experience Length : 1 year

    Job Description/Requirements


    Company Description

    Reform Capital Solutions (Recapss) is an alternate investment and advisory firm specialising in structured finance for infrastructure. We provide bespoke capital solutions, including bridge facilities, asset-backed instruments for SME financing, and syndicated financing for real estate acquisitions.

    Role Description

    This is a full-time hybrid role for a Credit Risk Manager at Recapss. The Credit Risk Manager is responsible for developing and overseeing X's risk management framework, with a focus on credit exposures related to receivables, escrow structures, developer partnerships, and bank/bridge financing arrangements. The role ensures that all transactions are structured with proper risk controls, credit assessments, and compliance to protect the company and its investors.

    Key Responsibilities:

    Risk Assessment & Analysis

    • Evaluate creditworthiness of developers, buyers, and counterparties before onboarding.
    • Conduct cash flow analysis and stress tests on receivables and escrow structures.
      Set credit limits and risk tolerances for transactions.

    Transaction Structuring

    • Work with deal structuring and finance teams to design risk-mitigation features (escrow, trustee arrangements, guarantees, insurance, etc.).
    • Advise on deal structuring, ensuring investor protection and acceptance.
      Identify risks and recommend safeguards.

    Monitoring & Reporting

    • Develop systems for continuous monitoring of receivables performance and counterparty risk.
    • Track compliance with covenant terms, escrow agreements, and repayment schedules.
      Prepare regular risk reports for management, lenders, and investors.

    Policy & Framework Development

    • Establish and update on risk management policies, credit approval processes, and due diligence checklists.
    • Implement early warning systems for potential defaults or liquidity gaps.
      Ensure compliance with local regulatory guidelines (CBN, SEC, FMDQ) and international risk standards.

    Stakeholder Engagement

    • Liaise with banks, trustees, rating agencies, insurers, and legal partners to ensure robust credit structuring.
      Support investor communications with clear articulation of risk/return profiles.

    Key Skills

    • Excellent analytical and financial modelling skills.
    • Strong grasp of risk management frameworks and credit scoring models.
    • Negotiation and stakeholder management skills.
    • High attention to detail, with ability to identify and mitigate complex risks.
      Strong communication and report-writing abilities.

    Qualifications

    • Bachelor's degree in Finance, Economics, Risk Management, Accounting, or related field.
    • Professional certifications such as CFA, FRM, PRM, or ACA will be an added advantage.
    • Minimum of 1 year+ experience in credit risk, preferably in banking, investment, or structured finance.
    • Strong knowledge of credit analysis, escrow/trustee structures, securitization, and receivables financing.
      Experience with financial regulations and structures.

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    * This salary range is an estimation made by beBee
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