Senior Risk Analyst – Android Lending

🕒 August 4

🌐 Nigeria, India, +1 more countries – Remote

🇳🇬 Nigeria – Remote 🇮🇳 India – Remote 🇿🇦 South Africa – Remote

⏰ Full Time

🟠 Senior

🤖 Android Engineer

👻 Ghost score 56%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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FairMoney

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

👥 B2C

🏦 Banking

💰 Seed Round on 2018-11

Fintech • B2C • Banking

FairMoney is a leading fintech company that aims to build a mobile bank for the global market, focusing on aiding the financial needs of the next 2 billion internet users. As the most downloaded fintech app in Nigeria, FairMoney provides a variety of financial services including personal and business loans, savings accounts, bill payment, and card services. The company has over 5 million users in Nigeria and disburses over 15,000 loans daily. FairMoney's offerings include high-interest savings options like FairSave and FairLock, and convenient loan services with quick approval and no collateral required. The company enhances financial accessibility and management for its users, enabling them to achieve their life and business goals through innovative fintech solutions.

📋 Description

• Own the end-to-end performance of an assigned Android lending workstream in Nigeria • Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan • Own workstream assumptions, monthly forecasts and corrective actions • Review budget-versus-actual performance and explain material variances • Manage 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 • Design and improve credit strategies including eligibility, PD cut-offs, offers, exposure limits, pricing, tenure, affordability, Top-Up, Consolidation, repeat-customer growth, high-risk treatments and customer routing • Translate recommendations into decision-engine rules and implementation requirements • Define replay, back-testing, validation, testing, rollout, monitoring and rollback plans • Monitor released strategies and take corrective action • Maintain documentation, policy versioning and decision traceability • Collaborate with Android leadership, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service • Manage dependencies, milestones, owners and economic impact; escalate blockers and decisions outside authority • Review peer analysis, mentor analysts, document critical knowledge and represent the workstream in senior forums • Deputise for senior portfolio or workstream leads and build breadth for 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 work (timezone must have significant overlap with CET) • Training & Development budget • Paid company business trips

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