About the Role
At Renmoney, we believe finance should be simple, useful, and accessible to everyone. We are passionate about leveraging data-driven insights to build innovative financial products that empower individuals and businesses. We are currently looking for a talented Portfolio Analyst to help us scale, monitor, and optimize our growing credit portfolio.
Key Responsibilities- Analysis and monitoring of key portfolio metrics including FPD, PD, LGD, NPL, and Surplus.
- Performing LTV assessments, driving active product pricing, and optimizing portfolio structure to balance high-yield and low-risk loans.
- Developing customer segmentation strategies by risk levels, products, and acquisition channels.
- Monitoring risk concentration across regions, products, and borrower segments while adjusting credit policies based on default data.
- Collaborating with the Data Science team to formulate scoring model requirements, analyze scorecard performance, and work with cash flow forecasting models.
- Assessing the impact of internal business initiatives on overall financial results.
- Minimum of 3 years of professional experience in analytics or credit portfolio analytics.
- Bachelor's degree in a technical, quantitative, or economics-related field.
- Strong command of credit risk metrics such as PD, NPL, FPD, SPD, Roll Rate, and CoR.
- Proficiency in advanced Excel, SQL (window functions, subqueries), and basic Python (NumPy, pandas, scikit-learn).
- Solid understanding of regulatory requirements applicable to microfinance institutions and banks.
- Nice to have: Experience with Big Data, BI systems, A/B testing, and financial modeling (NPV, DCF, P&L).
- Flexible remote work arrangement from anywhere in the world.
- Competitive salary complemented by performance bonuses.
- Paid vacations, flexible time off, and dedicated personal development plans.
- Opportunity to shape the future of Nigerian fintech within a diverse, collaborative, and fast-paced environment.