About the Role
FairMoney is a leading digital financial platform in Nigeria that provides instant loans and financial services through our Android application. We are looking for an ambitious Senior Risk Analyst to own a material credit-strategy workstream within our Android lending portfolio. This is a hands-on, high-impact role where you will directly influence P&L, credit policies, and portfolio growth while mentoring team members and shaping the future of digital lending.
Key Responsibilities- Own the end-to-end performance, monthly forecasting, and delivery roadmap of your assigned Android lending workstream.
- Design and optimize credit strategies, including eligibility, PD cut-offs, pricing, exposure limits, and repeat-customer lifecycle management.
- Translate analytical recommendations into precise decision-engine rules, performing back-testing and validation as needed.
- Work hands-on with SQL, Python, or R to identify risk-adjusted growth opportunities and economic leakages.
- Collaborate closely with Product, Engineering, Data Science, Finance, and Collections to execute seamless product rollouts.
- Establish monitoring systems, review budget-versus-actual variances, and take corrective actions on PAR, NPL, FPD, and ECL metrics.
- 4 to 7+ years of experience in consumer credit risk, credit strategy, lending analytics, or portfolio management within digital lending or consumer finance.
- Deep understanding of credit metrics including PD, LGD, EAD, vintages, roll rates, FPD, PAR, NPL, and net present value.
- Advanced SQL skills combined with proficiency in Python, R, or equivalent data tooling.
- Proven track record of translating complex credit strategies into production-ready decision engine requirements.
- Exceptional problem-solving abilities with strong written and verbal communication skills for cross-functional leadership.
- 25 days of paid vacation plus sick leave and public holidays.
- Flexible remote working environment with significant time zone overlap with CET.
- Dedicated training and development budget to support your professional growth.
- Paid company business trips and collaborative team events.