Top level Technical Feature lead, CredTech at Teknowledge in Victoria Island, Lagos

Position Overview

We’re looking for a Top level Technical Feature lead: CredTech to establish and supply credit tech channels and goods that enable origination, decisioning, servicing, and collections across the enterprise. In this position, you will ensure credit goods are powered by ability to scale, secure, and smart tech initiatives while balancing risk mitigation strategy, adherence, and customer experience.

Duties Product Plan & Roadma:

• Own the product aspiration and roadmap for credit tech channels (origination operational structures, loan management, decisioning engines, collections channels).
• Align CredTech product plan with enterprise digital transformation, lending plan, and compliance obligations.
• Stay forward of market trends which includes AI/ML-driven credit scoring, embedded finance, BNPL, and digital lending ecosystems.

Compliance, Risk & Adherence:

• Ensure CredTech channels adhere with credit rules, buyer protection legal provisions, and risk frameworks.
• Collaborate with risk and adherence teams to embed credit rules, affordability checks, and credit bureau integrations.
• Regulate data guard, confidentiality, and compliance-related status updates within CredTech goods.
• Assist audit, adherence assessments, and compliance-related engagements connected with credit tech.

Data & Decisioning Enablemen:

• Work alongside data science teams to improve credit scoring models, affordability evaluations, and risk segmentation.
• Lead consolidation with credit bureaus, alternative data vendors, and AI/ML models.
• Ensure instantaneous data analysis and dashboards are accessible for project sample management and decisioning monitoring.

Expertise:

• 10–12 years’ expertise in product management or credit tech, with a minimum of 5+ years in top level product ownership.
• Established history in supplying credit/lending channels, which includes origination, decisioning, and loan servicing.
• Solid understanding of credit risk mitigation strategy, lending processes, and compliance obligations.
• Expertise with decisioning engines (e.g., FICO, Experian, Provenir), credit bureau integrations, and APIs.
• Exposure to digital lending models, embedded credit, BNPL, and alternative credit scoring.
• Prior expertise in controlled industries (banking, financial technology, financial solutions) preferred.

Core Competencies & Skills:

• Robust technical product management proficiency (channels, APIs, integrations, credit operational structures).
• Strong insight of credit lifecycle — origination, decisioning, servicing, collections.
• Capability to balance risk mitigation strategy, adherence, and customer experience.
• Outstanding stakeholder engagement across credit, risk, adherence, engineering, and data science.
• Robust logical and analytical abilities with a analytics-based mentality.
• Capability to shape senior leaders, vendors, and authorities with visual precision and authority.

Why You’ll Enjoy It Here:

• Be Part of Something Big – An expanding organisation where your payments matter.
• Make an Direct consequence – Assist groundbreaking technical solutions with real-world outcomes.
• Work on Cutting-Edge Technology – AI, cybersecurity, and next-gen digital initiatives.
• Thrive in an Diverse group – A culture built on trust, partnership, and respect.
• We Care – Honesty and reliability, empathy, and objective mentor every decision.
• We’re seeking innovators, issue-solvers, and professionals prepared to lead transformation and grow with us.