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- Minimum Qualification :
- Experience Level : Entry level
- Experience Length : 1 year
- 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. - 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. - 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. - 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. - 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. - 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. - 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.
Credit Risk Manager - Lagos - Reform Capital Solutions (Recapss)

2 months ago
Description
Today
R
Credit Risk Manager
Reform Capital Solutions (Recapss)
Accounting, Auditing & Finance
Lagos Full Time
Banking, Finance & Insurance Confidential
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
Transaction Structuring
Monitoring & Reporting
Policy & Framework Development
Stakeholder Engagement
Key Skills
Qualifications
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