Credit Officer

Job description

About Stargate Finance Ltd
Stargate Finance Ltd is a fast-growing fintech company revolutionizing access to financial services through technology-driven solutions. We provide innovative credit products and financial tools that empower individuals and businesses to thrive in the digital economy.

Job Overview
We are seeking a proactive and detail-oriented Credit Officer to join our growing team. The successful candidate will be responsible for evaluating credit applications, assessing creditworthiness, managing loan portfolios, and ensuring compliance with internal credit policies and procedures. This role requires a solid understanding of credit risk analysis within the fintech ecosystem, as well as strong analytical skills, particularly in Microsoft Excel.

Key Responsibilities

Assess and process loan applications using credit scoring models and manual review techniques.
Conduct thorough credit analysis and risk assessments for new and existing clients.
Recommend appropriate credit limits and loan terms.
Monitor and manage loan portfolios, flagging and addressing any early warning signs of credit deterioration.
Collaborate with the collections team to ensure effective recovery strategies for delinquent accounts.
Ensure adherence to regulatory and internal compliance standards in all credit operations.
Prepare credit reports and maintain accurate client records.
Support the development and refinement of credit policies and procedures.
Provide customer support on credit-related inquiries.

Qualifications & Skills

Diploma/ Bachelor’s degree in Finance, Accounting, Economics, or a related field.
At least 2 years of experience in credit analysis, loan processing, or related roles, preferably within a fintech or financial services company.
Strong analytical and numerical skills with attention to detail.
Excellent proficiency in Microsoft Excel, including use of formulas, functions (e.g., VLOOKUP, IF statements, PivotTables), and data analysis tools.
Familiarity with credit scoring systems, financial analysis, and risk evaluation tools.
Excellent communication and interpersonal skills.
Ability to work independently and in a fast-paced, tech-driven environment.
Proficiency in using loan management systems and MS Office applications.

What We Offer

Competitive compensation package.
Dynamic and innovative work environment.
Opportunities for professional development and career growth.
Flexible work arrangements (where applicable).

To Apply:
Please submit your CV and a cover letter outlining your relevant experience. Kindly include your salary expectations for the position in your application.