[Hiring] Senior Risk Analyst @FairMoney

Role Description

We are hiring a Senior Risk Analyst to own a material credit-strategy workstream within FairMoney’s Android lending portfolio in Nigeria. This is not a monitoring-only or reporting-only role. It is a hands-on, P&L-impacting credit strategy and succession role.

Job Responsibilities

• Workstream economics and planning
  • Own the end-to-end performance of your assigned Android workstream
  • Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan
  • Own the relevant workstream assumptions, monthly forecast and corrective actions
  • Review budget-versus-actual performance and explain material variances
  • Manage relevant metrics: approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability
  • Identify material risk, economic leakage and profitable growth opportunities
  • Quantify expected impact, implementation requirements, dependencies and downside risks
• Credit strategy and experimentation
  • Design and improve eligibility, requalification and rejected-customer re-entry
  • PD cut-offs and calibration
  • Offers, exposure limits, pricing and tenure
  • DTI, affordability and income-source treatment
  • Top-Up and Consolidation eligibility
  • Repeat-customer growth and customer-lifecycle strategy
  • High-risk treatments and policy overlays
  • Customer routing and graduation logic
• Production implementation and controls
  • Translate recommendations into decision-engine rules, parameters and implementation requirements
  • Work directly with SQL, analytical code and decision logic where needed
  • Define replay, back-testing, validation and testing requirements
  • Review implementation logic for unintended policy or model interactions
  • Define staged rollout, monitoring and rollback plans
  • Monitor strategies after release and take corrective action where performance differs from expectation
  • Maintain clear documentation, policy versioning and decision traceability
• Cross-functional delivery and governance
  • Work closely with the Android portfolio leadership team, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service
  • Write clear analytical and implementation briefs
  • Define owners, milestones and expected economic impact
  • Manage dependencies actively and escalate blockers with options
  • Operate within agreed risk appetite, budgets and delegated authority
  • Scale, pause, modify or roll back controlled strategies within your mandate
  • Escalate decisions outside authority or with material legal, regulatory or customer-conduct implications
• Senior individual-contributor leadership and succession
  • Be the recognised owner of your assigned workstream
  • Set its roadmap, forecast, scorecard and operating cadence
  • Review peer analysis and improve analytical and implementation standards
  • Mentor other analysts where required
  • Document critical policy, model and decision-engine knowledge
  • Reduce key-person dependency
  • Represent your workstream in senior forums
  • Deputise for the Lead Risk Manager, Portfolio Owner or designated workstream lead when required
  • Build the judgement and breadth required to progress into broader portfolio ownership

Qualifications

• 4–7+ years in consumer credit risk, credit strategy, lending analytics or portfolio management
• Strong experience in digital unsecured lending, consumer finance, credit cards, overdrafts, BNPL or a related environment
• Evidence of owning a material credit-strategy workstream through analysis, implementation and monitoring
• Strong understanding of PD, LGD, EAD, vintages, roll rates, FPD, PAR, NPL, ECL, pricing, offers, tenure, exposure and NPV
• Strong SQL capability and comfort with Python, R or equivalent analytical tooling
• Experience translating credit strategy into decision-engine requirements or production rules
• Strong written and verbal communication
• Ability to work independently in a fast-moving and ambiguous environment

Requirements

• 25 days paid vacation, Sick & Public Holidays to B2B contractors
• Remote (timezone must have significant overlap with CET)
• Training & Development budget
• Paid company business trips

Recruitment Process

• A screening interview with one of the members of the Talent Acquisition team
• Business Case Study
• Technical interview with Global Head of Android Lending
• Final Interview with Chief Credit Officer