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.