Role Description A fast-growing lending business focused on building a sustainable and scalable loan portfolio is seeking a highly experienced Credit Risk & Scoring Consultant to strengthen and redesign its end-to-end credit risk capability. The successful consultant will play a critical role in improving portfolio performance, collections effectiveness, and long-term lending sustainability. We are looking for a seasoned Credit Risk & Scoring Consultant with deep experience in unsecured lending, loan book management, collections strategy, affordability assessment, and credit scorecard development. The consultant will work closely with executive leadership to: - Design and implement robust credit scoring methodologies - Improve client onboarding and affordability assessment accuracy - Build and optimize risk management processes and procedures - Reduce default rates and improve collections performance - Establish scalable credit governance frameworks - Support the setup and structuring of a high-performing credit risk team - Help build a sustainable and profitable loan book This is a strategic and hands-on engagement requiring someone who has successfully built or transformed lending operations in high-growth environments. Qualifications - 10+ years’ experience in credit risk, lending, banking, fintech, or microfinance - Proven track record building or improving credit scoring systems - Strong experience in unsecured lending and consumer finance - Deep understanding of affordability assessments and collections strategies - Experience managing or advising on loan books at scale - Demonstrated success reducing default rates and improving portfolio performance - Experience establishing credit policies, governance, and operational frameworks - Strong analytical and strategic problem-solving capabilities Requirements - Experience in emerging markets or African lending environments - Background in fintech or digital lending businesses - Experience with scorecard modeling and alternative data - Familiarity with collections optimization and behavioral scoring - Experience setting up or scaling credit risk teams Expected Deliverables - Assess current lending and risk management operations - Identify key causes of portfolio underperformance - Deliver a practical roadmap to improve credit performance - Implement improved credit scoring and underwriting frameworks - Establish risk management processes and governance structures - Improve collections and repayment performance - Support operational execution and capability transfer to internal teams Engagement Details - Engagement Type: Contract / Consulting - Location: Remote with periodic engagement sessions - Industry: Lending / Fintech / Consumer Finance - Start Date: As soon as possible - Duration: To be discussed based on scope and deliverables Ideal Candidate We are seeking a highly practical operator who combines strategic credit risk expertise with hands-on implementation experience. The ideal candidate has successfully built or transformed lending businesses, understands the realities of consumer lending risk, and can help establish a scalable and sustainable lending operation. How to Apply Please share: - Updated CV / professional profile - Relevant consulting or project experience - Examples of similar credit risk or lending transformation work - Availability and expected consulting rates - References or case studies where available We are looking for a consultant who can make an immediate impact on portfolio quality, collections performance, and overall credit risk capability.