Head of Credit Risk at Kuda Bank

Kuda is a comprehensive, app-based digital bank committed to being the preferred banking solution for individuals not only in Africa but also for the global African diaspora.

Our dedication is reflected in our fee-free approach and our expertise in assisting customers with budgeting, intelligent spending, and increased savings. Having secured the largest seed round in Africa and successfully completed a Series A funding round in February 2021, led by top-tier venture capital investors worldwide, Kuda is rapidly gaining recognition as the foremost ‘Neobank’ for Africans. With headquarters in London and offices in Lagos, Cape Town, and expanding across Africa, we are positioned as a catalyst for positive change in the financial landscape.

As we strive to transform access to excellent financial products and services across Africa, empowering individuals to take control of their finances, we are actively seeking motivated and talented individuals who share our mission. If you are enthusiastic about contributing your skills and time to this cause, we invite you to connect with us.

We are currently inviting applications for the following position:

Job Title: Head of Credit Risk

Location: Lagos (Hybrid)

Employment Type: Full-time

Role Overview:

Join Kuda in a pivotal role as the Head of Credit Risk, where you will play a crucial role in shaping and optimizing our Credit Risk strategies. As the leader of the Credit Risk team, you will drive strategy, oversee implementation, and execute Kuda’s Credit Risk policies. This role offers the opportunity to influence streamlined collection practices, contribute to policy development, and ensure precise reporting and strict adherence to Credit product practices in Nigeria.


  • Lead the Credit Risk team, overseeing the entire strategy roadmap and execution.
  • Ensure proactive advocacy and steadfast adherence to Credit policies.
  • Design Credit policies tailored to the unique dynamics of Kuda MFB in Nigeria.
  • Build and manage the underwriting function for both consumer and business credit.
  • Manage a team of underwriters, providing guidance, training, and feedback to ensure consistency and adherence to established underwriting standards.
  • Spearhead active and compliant collection practices, demonstrating commitment to regulatory standards and guidelines.
  • Lead the strategic implementation of Credit initiatives within the Nigerian market, aligning efforts with organizational objectives.
  • Establish, build, and actively manage various relationships with external partners.


  • BSc in Accounting, Economics, Banking, Finance, or relevant fields.
  • 10+ years of experience, with at least 4 years in a leadership position specifically within Credit Risk Management.
  • Extensive background in financial services or Fintech, showcasing a deep understanding of the industry’s nuances and dynamics.
  • Solid understanding of Credit regulation within the Nigerian banking industry.
  • In-depth hands-on expertise in the administration of Credit Risk policies, the Credit underwriting process, Credit Risk scoring methodologies, and precise calculation of unit costs for risk products.

Application Closing Date: Not Specified.

Method of Application:

Interested and qualified candidates should click here to apply online.


Kuda is proud to be an equal opportunity employer, valuing diversity based on merit, qualifications, competence, and talent. We do not discriminate based on color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.