About the Role
FairMoney, a leading digital lending platform in Nigeria, is looking for a talented Portfolio Analyst to join our Consumer Lending Risk team. In this role, you will provide critical portfolio analytics to ensure visibility into performance, early risk identification, and data-driven credit decisions as our business rapidly scales.
Key Responsibilities- Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
- Analyse portfolio vintages, risk metrics including PAR and DPD, roll rates, cure rates, and credit loss trends.
- Perform segmentation analysis by risk grade, customer profile, product, loan amount, and acquisition channel.
- Build, automate, and maintain Tableau dashboards for risk management and key stakeholders.
- Assess the impact of credit rules, limits, pricing, and underwriting strategies through comprehensive cohort and policy-impact analysis.
- Collaborate with Product, Data, Engineering, and Collections teams to improve data quality, reporting, and recovery outcomes.
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline.
- Minimum of 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics.
- Strong SQL and data-analysis skills with advanced proficiency in Excel and hands-on experience building Tableau dashboards.
- Deep understanding of consumer credit risk, portfolio monitoring, lending economics, and vintage analysis.
- Exceptional problem-solving skills with the ability to translate complex datasets into clear business actions.
- Competitive salary and performance-based bonuses.
- Comprehensive health insurance coverage.
- Opportunities for professional growth in a fast-paced fintech environment.
- Collaborative and dynamic workplace culture.