Decisioning Analyst

Confidential Employer

Job Overview

Location

Lagos, Lagos, Nigeria

Employment Type

Full-time

Work Arrangement

On-site

Sector

Information Technology & Software

Experience Level

Junior (1-3 years)

Application Deadline

May 7, 2026

About the Company

This role is within a forward-thinking fintech company operating in the dynamic Nigerian financial landscape. The organization is dedicated to leveraging technology to provide innovative financial solutions. As a Decisioning Analyst, you will be an integral part of a team focused on enhancing the efficiency and effectiveness of credit risk management and lending processes. The company fosters a culture of continuous improvement and data-driven decision-making, aiming to drive significant growth and operational excellence. Your contributions will directly influence the company's ability to scale its lending operations, reduce risk, and improve customer access to financial services through intelligent, automated decisioning.

Job Description

We are seeking a highly analytical Decisioning Analyst to join our dynamic team in Lagos.

This pivotal role serves as the crucial link between our Decisioning, Engineering, and Credit Risk departments. You will be instrumental in ensuring the seamless execution of decisioning workflows and processes, maintaining the integrity of our Decision Engine, and guaranteeing that risk strategies are accurately translated into robust technical logic.

As the primary communication hub, you will facilitate the cohesive implementation of AI-enhanced decisioning initiatives across the organization, driving efficiency and innovation.

To apply for this role, click the Apply button on this page and follow the instructions.

Required Skills

Data ExtractionData ManipulationDecisioning SystemsCredit Risk AnalysisAI IntegrationRoot Cause AnalysisCommunication SkillsAnalytical Skills

Key Responsibilities

Configure and maintain decisioning logic within primary systems like the Decision Engine and Fraud Engine to support new products, features, and risk strategies.
Ensure all system logic remains aligned with business goals and strategic objectives.
Collaborate with Credit Risk, Collections, Sales, and Engineering to refine and streamline decisioning flows.
Leverage AI tools and outputs to automate decisioning workflows, integrating predictive insights into live production funnels.
Monitor decisioning flows and funnels to identify positive or negative deviations, spikes, or anomalies.
Promptly detect errors or malfunctions in decisioning flows and initiate corrective actions.
Conduct thorough root cause investigations for any system disruptions and report findings to management.
Rigorously analyze decisioning data to uncover opportunities for cost reduction and increased efficiency.
Identify opportunities to reduce non-performing loans and increase lending disbursements through logic enhancements.
Contribute to the optimization of operational procedures to enhance overall effectiveness.

Qualifications

Bachelor's or Master's degree in Data Science/Analytics, Engineering, Statistics, Actuarial Science, or a related field.
2+ years of experience in Business Intelligence, Credit Risk, Decisioning Systems, or Data Science within fintech, banking, or similar environments.
Demonstrated proficiency in performing complex data extraction and manipulation.
Strong hands-on experience in navigating and querying large-scale data environments.
Demonstrated ability to interface with back-end data systems.
Experience with automated decisioning platforms (e.g., Provenir, Taktile, or equivalent) is a plus.
Familiarity with the application of AI tools and outputs within business workflows.
Solid understanding of credit decisioning systems and lending processes.
Outstanding communication skills, with the ability to translate technical work into business strategy.
Highly analytical, detail-oriented, and comfortable working in a fast-paced environment.
Demonstrated ability to work cross-functionally with Product, Engineering, Sales, and Risk teams.

How to Apply

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The fintech industry in Lagos is experiencing rapid expansion, driven by innovative digital solutions. This role is central to leveraging AI-driven decisioning systems to optimize lending processes and enhance business ROI. Key technical keywords include Decision Engine configuration, AI integration, predictive modeling, data extraction, and root cause analysis. The Decisioning Analyst will directly impact lending disbursements and cost reduction, signaling a significant opportunity for leadership scale and organizational growth within a dynamic financial technology environment.