Senior Risk Analyst - Android Lending

FairMoney

Nigeria, nigeria

The Role 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 the relevant approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability metrics Identify material risk, economic leakage and profitable growth opportunities Quantify expected impact, implementation requirements, dependencies and downside risks Credit strategy and experimentation: Depending on your mandate, you may 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: You will 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 Requirements 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. Benefits 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.

10 days ago

Senior Risk Analyst - Android Lending

Fairmoney Microfinance Bank

Remote, Nigeria

full-time

FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia. We are recruiting to fill the position below: Job Title: Senior Risk Analyst - Android Lending Location: Remote The Role 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 the relevant approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability metrics Identify material risk, economic leakage and profitable growth opportunities Quantify expected impact, implementation requirements, dependencies and downside risks Credit strategy and experimentation: Depending on your mandate, you may 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: You will 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 Requirements 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. Benefits 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.

10 days ago

Operations Manager

FairMoney

Nigeria, nigeria

full-time

As Operations Manager, you will provide senior operational leadership across Nigeria, strengthening execution, governance, scalability, financial discipline, customer experience, and cross-functional performance. The role requires an operator who can translate strategy into scalable operating models and lead complex teams through growth and change. Key Responsibilities Own and continuously improve end-to-end operational performance across GPS, back office, finance, field operations, service delivery, and related support teams. Provide strategic and hands-on leadership for multi-functional and, where applicable, multi-regional operations, establishing accountability, operating rhythms, and performance standards. Own operational KPIs, dashboards, service levels, productivity, cost efficiency, customer outcomes, and corrective-action plans; use data to drive decisions and sustainable performance. Partner with senior leadership to translate company strategy into operating plans, resource allocation, growth priorities, and scalable processes. Lead process transformation, standardization, and continuous-improvement initiatives that increase efficiency, quality, scalability, and customer satisfaction. Maintain operational and financial discipline, including budget oversight, cost management, performance forecasting, and commercial awareness. Ensure robust risk, compliance, controls, and regulatory adherence across operational activities. Build high-performing teams through coaching, succession planning, leadership development, performance management, and a culture of ownership and collaboration. Lead operational change and expansion initiatives, including new-market, product, channel, or service rollouts where required. Resolve complex operational issues and escalated customer or stakeholder complaints, identifying root causes and implementing preventative solutions. Develop strong relationships with senior internal stakeholders and external partners to ensure operational alignment and effective execution. Requirements Bachelor's degree in Finance, Business Administration, Accounting, Risk Management, Economics, or a related discipline; relevant postgraduate or executive-management training is an advantage. 7+ years of progressive experience in operations, commercial management, business management, financial services, fintech, banking, FMCG, or a similarly complex high-growth environment. Demonstrated experience managing large, distributed, or multi-regional operations with significant workforce or partner-network responsibility. Proven experience with P&L, budgets, cost management, commercial performance, or financially accountable operational decisions. Strong track record scaling operations, building distribution or service networks, entering new markets, and designing operating models that can be replicated across locations. Demonstrated ability to deliver measurable growth and operational outcomes through data-driven territory planning, KPI management, resource allocation, and performance optimization. Deep understanding of operational risk, controls, compliance, customer protection, and sustainable growth within financial services or another highly regulated environment. Exceptional people-leadership capability, including managing managers, developing leadership pipelines, coaching high performers, and building accountable cultures. Strong change-management and transformation skills, with evidence of introducing new ways of working, improving processes, and driving adoption across teams. Excellent executive communication, stakeholder management, negotiation, problem-solving, and decision-making skills. Advanced analytical and business-intelligence capability, with strong proficiency in KPI dashboards, Microsoft Office, Google Workspace, and operational reporting. Experience working with international or cross-cultural teams is highly desirable. Leadership Profile: The ideal candidate is a commercially minded operator who combines strategic thinking with strong execution. They should be comfortable managing complexity, leading through ambiguity, using data to improve decisions, and building systems that scale. Experience developing managers, expanding operations, and balancing growth with risk and profitability will be highly valued. Benefits Private Health Insurance Pension Plan Training & Development Hybrid work Paid Time Off. Recruitment Process: A screening interview with one of the members of the Talent Acquisition team for 30 minutes. Assignment (Takeaway) Assignment review and a technical interview with Risk Managers for 45-60 minutes. Final Interview 45 minutes.

15 days ago

Team Lead, Strategy Advisory And Company Secretariat

TSL Logistics Limited

Nigeria, nigeria

full-time

About the job We are seeking a strategic and compliance-driven Team Lead, Strategy Advisory and Company Secretariat to align corporate governance with TSL's strategic objectives, ensure full regulatory adherence, and enable commercially sound, risk-mitigated business transactions. This role serves as both a legal risk manager and a deal enabler, supporting the Board, Management, and SBUs in executing high-impact initiatives while safeguarding the organization's integrity, competitiveness, and long-term value creation. Key Responsibilities: Guide Management and the Board in corporate strategy formulation, evaluation, execution, and risk/opportunity assessment. Coordinate cross-functional inputs to develop aligned strategic plans and monitor implementation via performance dashboards and corrective actions. Ensure 100% compliance with corporate governance, statutory filings, and regulatory obligations (e.g., CAC, NMDPRA, NUPRC, NOTAP). Organize and document all Board and Committee meetings (notices, agendas, minutes, resolutions) with timely, accurate, and actionable outputs. Maintain up-to-date statutory books, registers, and policies accessible for audits and regulatory reviews. Advise on legal implications of transactions, investments, and partnerships; lead due diligence and deal structuring to minimize risk and maximize value. Draft, review, and negotiate key transaction documents (SPAs, JV agreements, financing, service contracts) with clear, enforceable, and favorable terms. Oversee transaction lifecycle, coordinating internal (Finance, SBM, Operations) and external stakeholders (regulators, counsel) ensuring timely execution and post-closing compliance. Develop and implement proactive risk mitigation strategies, particularly in oil & gas regulations and environmental standards. Build frameworks for monitoring performance against strategic goals and facilitate seamless communication across Board, Management, regulators, and partners. Requirements: Bachelor's Degree in Law (LLB/BL). ICSAN membership and Business Analysis Certification (ECBA - IIBA) is an added advantage. Minimum of 5 - 7 years post-call experience in corporate/commercial law, governance, and transaction advisory. Minimum of 3 years in a leadership or supervisory role, with proven ability to lead legal and secretariat teams. Demonstrated expertise in strategic planning, corporate governance, contract drafting/negotiation, and regulatory compliance. Proven track record in structuring and executing complex transactions (M&A, JVs, financing) with measurable value creation. Deep knowledge of Nigerian corporate law, CAC filings, oil & gas regulations (NMDPRA, NUPRC), and competition law. Sector exposure in logistics, oil & gas, energy, or infrastructure is highly preferred.

20 days ago

Head Of Credit

Huko Advisory services

Lagos, nigeria

full-time

Job Purpose The Head of Credit will provide strategic and operational leadership for the Bank's credit function, ensuring responsible loan growth, sound credit underwriting, effective portfolio management and strong asset quality. The role holder will oversee the end-to-end credit process, from appraisal and approval to disbursement, monitoring, restructuring and recovery, while ensuring compliance with the Bank's credit policies, risk appetite, CBN regulations and other applicable regulatory requirements. Key Responsibilities Credit Strategy & Policy: Develop and implement the Bank's credit strategy in line with business objectives and risk appetite. Ensure appropriate credit risk standards across all lending products. Recommend improvements to credit products, pricing, collateral requirements and lending structures. Ensure compliance with CBN regulations, internal policies and approved risk parameters. Credit Appraisal & Approval: Oversee the appraisal, review and approval/recommendation of credit facilities within delegated authority. Review complex, high-value and high-risk credit proposals. Ensure proper analysis of financial statements, cash flows, repayment capacity, business viability and credit history. Ensure appropriate KYC, credit bureau checks, collateral verification and documentation. Portfolio & Risk Management: Take overall responsibility for the quality and performance of the Bank's loan portfolio. Monitor PAR, NPL, delinquency, provisioning, write-offs and recovery performance. Monitor portfolio concentration by product, sector, geography, customer and obligor. Microfinance & Commercial Lending: Provide oversight for microfinance, retail, consumer, SME and commercial lending. Apply appropriate cash-flow based and risk-based lending methodologies. Ensure effective management of high-volume microfinance lending and more structured commercial/SME exposures. Develop appropriate lending limits and risk parameters for different customer segments. Recovery & Remedial Management: Provide strategic oversight of delinquent and non-performing accounts. Work closely with the Recovery/Collections team to improve recovery rates. Review and recommend restructuring, rescheduling and write-offs in line with approved policies. Ensure timely escalation of problematic and high-risk accounts. Analyze causes of delinquency and implement preventive credit measures. Credit Governance & Reporting: Chair or participate in the Management Credit Committee as assigned. Ensure proper documentation of credit decisions, conditions and exceptions. Prepare regular credit and portfolio reports for Management and the Board. Liaise with Risk, Internal Control, Compliance, Internal Audit and External Auditors on credit-related matters. Ensure prompt resolution of credit-related audit and regulatory findings. Team Leadership: Lead, coach and develop the Credit team. Set clear performance objectives and KPIs. Build a strong culture of credit discipline, accountability, integrity and sound risk judgment. Ensure continuous training and development of credit personnel. Requirements & Qualifications Bachelor's Degree / HND in Finance, Accounting, Economics, Banking & Finance, Business Administration, Statistics, Mathematics or a related discipline. Minimum of 8 - 10 years' relevant banking/financial services experience. Minimum of 5 years' experience in Credit, Credit Risk, Lending or Portfolio Management. Mandatory experience in both a Microfinance Bank and a Commercial Bank. At least 3 years in a senior/managerial credit position, preferably as Credit Manager, Senior Credit Risk Manager, Head of Credit or similar role. Proven experience in SME, commercial, retail and microfinance lending. Demonstrable experience managing loan portfolios, PAR/NPL, credit risk and recoveries. Strong knowledge of CBN regulatory requirements and credit risk management practices. Experience participating in or managing Credit Committees is highly desirable. Professional Certifications: Required/Strongly Preferred: ACIB/CIBN qualification, preferably with Microfinance Certification. Any of the following will be an added advantage: ICAN/ACA/ACCA CFA FRM Professional Credit/Risk Management Certification MBA/Master's Degree in Finance, Banking, Accounting, Economics or Risk Management.

a month ago

Senior Credit Evaluation Manager

Stanbic IBTC

Lagos, nigeria

full-time

To provide subject matter expertise for the Credit Risk end-to-end portfolio management processes in line with the Credit Risk Management policies within a specific sector, contributing to the success of the organisation's clients in this industry. To identify opportunities to streamline Credit Risk processes in order to achieve efficiency and effectiveness benefits within a specific sector. Lead early detection of deterioration in performance of counterparties. Develop, update and continuously review tools and templates for Credit Risk within CIB in order to simplify processes and extract efficiencies. Ensure overall portfolio management and monitoring within stipulated KPIs. Lead and drive pre-approved headroom limits for target clients with downward delegation of authority as appropriate, particularly in identified sectors, supported by fit-for-purpose credit papers to enable faster and consistent turnaround times. Exercise Delegated Authority within specified Mandate: DA5/6. Lead and drive collaborative relationships with stakeholders across the entire Credit Risk value chain in defence of the current book and to identify new transactions. Embed the ongoing understanding of environmental, social, and governance (ESG) factors, with adherence to SBG Environmental and Social Risk policies, procedures, processes and standards in order to drive sustainable value creation for the organisation. Lead the Credit Risk team within a specific and dedicated sector to include ESG considerations and ensure they are adequately and meaningfully addressed in all credit papers on an ongoing basis. Lead the Credit Risk team by providing leadership as it relates to climate risk in order to ensure alignment in credit decisioning and risk appetite. Consider climate change implications on the financial position of clients within a dedicated portfolio. Ensure data quality in order to enhance and optimise data integrity and accuracy of Credit Risk team inputs into all processes, systems and decisions. Implement key portfolio metrics, including but not limited to, reviews, covenant and information undertaking assessments, ratings, collateral, excesses, LGD analysis and breaches), to ensure alignment to thresholds and risk appetite with a key focus on capital efficiency. Lead the Credit Risk team within a specific portfolio to continuously monitor and identify distressed clients and sectors under pressure in order to develop mitigating actions to reduce risks. Facilitate Rapid Risk Review assessments and/or Risk note submissions on the portfolio for potential escalation of clients to heightened risk monitoring forums. Provide leadership, coaching and on the job ongoing training to all Credit Risk team members within a dedicated portfolio to ensure adherence to all relevant standards, policies and guidelines applicable to Credit Risk. Conduct ongoing assessments of client and sector risk to ensure that probability of default (PD), loss given default (LGD) and exposure at default (EAD) remain a fair reflection of the risk position within a dedicated portfolio. Conduct detailed analytical work with a high level of accuracy in order to deliver high level results to senior management, and contribute to the management and education of enhanced credit risk approaches. Establish and maintain effective working relationships with business stakeholders and risk managers to ensure credit risk principals are effectively embedded into operational activities. Prepare and review analysis papers and ensure that high quality analytical papers are written and delivered to appropriate senior management and committees. Present these papers in an effective manner appropriate to the audience. Ensure completion of minutes and close out of action items within stipulated timeframe. Provide oversight to Financial Close process of new transactions ensuring all necessary steps and processes have been dealt. Analyse and constructively critique output across the wider Banking Credit function for the business impacts (including regulatory and external audit) to ensure committee papers consider portfolio, modelling and data risks, and ultimately propose strategic recommendations that are underpinned by a compelling case. Identify inefficiencies and propose operational process improvements to enable better outcomes for the Credit Risk Function within CIB. Monitor industry/sector trends and developments to determine if any of these negatively affects counterparties we lend to in order to mitigate risks. Establish a high performance culture within the Credit Portfolio Function by managing people throughout the employee lifecycle from recruitment through to exit, performance management, training and development, discipline and grievance management, retention and reward and people administration. Qualifications Type of Qualification: First Degree Field of Study: Business Commerce, Finance and Accounting, Mathematical Sciences, Risk Management, Quantitative Studies

a month ago

Risk Manager

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