Lead, Credit & Risk Control

Adept Lessor is a finance lease and asset-financing company in Nigeria.

We are recruiting to fill the position below:

Job Title: Lead, Credit & Risk Control

Location: Lagos Mainland, Lagos

Employment Type: Full-time

Job Classification: Frontline Management

Influence Category: Medium

Directly reports to: C.O.O

Directly supervises: N/A

Internal: Account Team, Lease Sales Team

External: Customers, Regulatory bodies

Job Purpose

• Safeguard the company’s capital
• Control the company’s leased asset base
• Ensure disciplined and risk-aligned credit approvals
• Drive proactive portfolio risk monitoring
• Maintain effective asset inspection and control
• Strengthen recovery performance and minimize credit losses

Key Output:

• Client background check reports
• Recovery visit reports
• Credit committee minutes
• Completed KYC checklist
• Collateral verification report
• Internal control framework

Key Responsibilities

• Ensure high-quality credit risk assessment & recommendation by:
• Reviewing all credit appraisal reports before submission to management.
• Ensuring full financial analysis, risk identification, and mitigation documentation
• Chairing or participating in Credit Committee deliberations.
• Enforcing adherence to the credit policy before disbursement
• Rejecting or restructuring high-risk proposals where required
• Carry-out due diligence of all lease customers, and monitor portfolios for early risk detection by:
• Conducting routine client visitation and asset inspection
• Escalating high-risk exposures to management
• Recommending restructuring or enforcement actions and repossession where necessary.
• Ensuring all new clients complete KYC documentation before approval.
• Conducting or supervising pre-disbursement site visits.
• Verifying business existence and operational capacity.
• Validating collateral ownership and asset authenticity.
• Ensure disciplined workflow management within the credit function by:
• Maintaining comprehensive credit risk policies aligned to leasing operations
• Embedding risk appetite parameters into credit assessment processes
• Reviewing and updating policies in response to portfolio trends and market dynamics.
• Strengthen credit risk monitoring and remediation processes by:
• Implementing structured post-disbursement review frameworks
• Supervising periodic credit reviews prior to expiry dates
• Coordinating recovery and workout strategies for non-performing leases
• Any other results/responsibilities/duties/tasks/job roles that may be assigned to you by management.
• Performance Standards
• High-quality credit decisions
• Alignment with the company's risk appetite
• Risk classification
• Risk management
• Quality risk reports.

Requirements

Education

• HND/Degree in Accounting, Economics, Finance, or any related discipline
• An MBA/Master’s degree is an added advantage.

Experience

• 7-12 years of relevant experience.

Required Competencies:

• Organizational Competencies
• Adding Value, Dedication, Excellent Service, Professionalism, Transparency

Grade Category Competencies:

• Effective communication
• Collaboration
• Problem solving
• Revenue tracking

Functional Competencies:

• Credit risk assessment and financial statement analysis
• Due diligence, KYC, and AML compliance expertise
• Repossession and enforcement process management
• Risk assessment & mitigation

Application Closing Date

12th October, 2026.