Credit and Business Performance Analyst at Whitebrown… · Lagos

Whitebrown Business Hub

Job Profile – Credit and Business Performance Analyst

Purpose

The Credit and Business Performance Analyst is responsible for evaluating credit applications, monitoring loan portfolios, analyzing repayment behavior, and ensuring timely recovery of outstanding debts. The role also supports strategic business performance tracking by providing insights and analytics that inform financial decisions. The Analyst plays a key role in maintaining healthy cash flow by ensuring loans are well-assessed before disbursement, repayments are tracked efficiently, and recovery actions are timely. Also prepares management reports that measure overall credit performance, risk exposure, and business growth trends.

Key Responsibilities

• Credit Evaluation & Analysis
• Review loan requests and perform due diligence on applicants to assess creditworthiness and recommend approval or decline based on risk assessment.
• Analyze clients’ financial statements, repayment capacity, and collateral quality.
• Recommend credit limits and loan structures based on risk assessment findings.
• Support in developing or updating credit scoring models and approval criteria.
• Document credit approvals, and disbursements accurately for audit readiness.
• Loan Portfolio Management
• Maintain a real-time database of all active loans and repayment schedules.
• Track loan performance, repayment due dates, and outstanding balances.
• Identify early warning signs of default (missed payment etc.)
• Conduct periodic portfolio reviews and produce reports on portfolio trends.
• Debt Recovery & Collection
• Track and manage overdue accounts and coordinate follow-up efforts with the recovery team.
• Recommend escalation of chronic defaulters to management when necessary.
• Maintain a debt recovery tracker showing total exposure, recovered amounts, and pending cases.
• Analyze reasons for default and propose preventive or corrective measures.
• Business Performance & Financial Reporting
• Develop and update monthly performance dashboards on loan performance, recovery rate, and portfolio quality
• Provide insights into business trends, repayment patterns, and risk concentration.
• Assist in preparing quarterly management reports with data-backed recommendations.
• Support business planning by contributing accurate credit and recovery performance data.
• Systems & Process Management
• Ensure data integrity in credit management systems (CRM, ERP, or spreadsheets).
• Maintain proper documentation for all credit and recovery transactions.
• Support automation initiatives for loan processing, tracking, and reporting.
• Conduct periodic reconciliations between system records and actual performance data.
• Compliance & Governance
• Ensure all credit activities adhere to company policies, regulatory, and audit standards.
• Maintain confidentiality and protect sensitive financial information.
• Report suspicious transactions in line with compliance and anti-fraud procedures.
• Keep updated with relevant laws, guidelines, and industry best practices.
• Continuous Improvement
• Review internal credit and recovery processes to identify areas for improvement.
• Recommend policy or workflow updates to enhance efficiency and risk control.

Scope Information

• Direct Reports: 1 Head of Department (HOD)
• Geographical Scope: Nigeria

Capability Requirements: Knowledge, Skills, and Abilities

Knowledge

Bachelor’s degree or master’s degree in accounting, finance, economics, business administration or related field

Relevant professional certifications.

2-4years of work experience in data analyst or business analyst field

Strong understanding of credit analysis, financial ratios, and debt recovery principles.

Skills

Excellent analytical and quantitative reasoning.

Good understanding of compliance standards and ethical debt collection practices.

Ability to balance analytical insights with compliance oversight.

Proficiency in Excel, reporting tools, and loan management systems.

Detail-oriented with ability to identify risks and gaps in processes.

Ability

Ability to balance analytical insights with compliance oversight.

Ability to maintain high attention to detail with minimal errors.

Ability to work collaboratively with multiple teams (BD, Recovery, Compliance).

Ability to detect trends, irregularities, or compliance risks in data.

Ability to produce accurate reports under tight deadlines.

Ability to adapt to changing policies, regulatory updates, and system improvements.

Pay: ₦300,000.00 - ₦400,000.00 per month

Work Location: In person