Credit Risk Management System Officer

Summary - About KUDA Kuda, which means ‘love’ in Shona, is more than a fintech - it’s a movement to make financial services accessible, affordable, and truly rewarding for every African. Backed by over $100 million from some of the world’s most respected investors, we’re building a smarter alternative to traditional banking - offering seamless money transfers, business banking, and instant access to credit, all through your device. At Kuda, we don’t just build products - we build people. We share the love in how we collaborate, carry everyone along as we grow, break boundaries to challenge what’s possible, and show up every day committed to doing better. If you’re driven by purpose, excited by impact, and ready to help redefine the future of finance in Africa, you’ll feel right at home here. Role Overview The Credit Risk Management System Officer will be responsible for the administration, monitoring, and regulatory reporting of all facilities on the Central Bank of Nigeria Credit Risk Management System (CBN-CRMS). The role ensures accurate processing of CRMS references, timely regulatory updates, compliance with CBN requirements, and effective management of CRMS-related reporting obligations across the Bank’s credit portfolio. The role also supports the Bank’s credit risk governance framework through accurate portfolio reporting, data integrity management, and regulatory engagement, while ensuring compliance with the CBN CRMS and Global Standing Instruction (GSI) framework. Responsibilities Generate and process CBN-CRMS reference codes for newly approved credit facilities. Manage the renewal and extension of CRMS references for existing and running credit facilities. Update outstanding balances and process liquidation of existing facilities on the CBN-CRMS platform. Process and monitor restructuring requests for approved and existing credit facilities on the CRMS platform. Trigger and monitor Global Standing Instruction (GSI) processes for defaulted facilities above 90 days across applicable loan portfolios. Prepare and submit month-end updates for Bonds, Securities, and loan accounts to the CBN via the CRMS platform. Ensure accuracy and completeness of CRMS regulatory submissions and portfolio updates. Monitor compliance with CBN CRMS guidelines, regulatory timelines, and internal credit administration procedures. Liaise with Credit Administration, Operations, IT, and other stakeholders to resolve CRMS-related issues and exceptions. Maintain proper documentation and audit trails for all CRMS processing activities and regulatory correspondences. Support reconciliation of CRMS records with the Bank’s core banking system and internal credit records. Provide periodic CRMS portfolio reports and regulatory updates to management and relevant committees. Escalate unresolved exceptions, validation failures, and data integrity issues for prompt resolution. Support regulatory examinations, audits, and supervisory engagements relating to CRMS and GSI activities.