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 ResponsibilitiesEnsure 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.
RequirementsEducation: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 Date12th October, 2026.
How to Apply
Interested and qualified candidates should send their CVs to: [Email hidden - Login to reveal] using the Job Title as the subject of the email.
How To Apply
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Click the Apply Now button above.
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Attach your Application letter, updated Curriculum Vitae (CV) and any supporting documents required.
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Use a professional subject line such as Application for "Indicate Position"
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Make sure to send your application before the closing date.
Note: Only shortlisted candidates are contacted.
