Senior Risk Analyst – Android Lending

🕒 August 4

🌐 India, South Africa, +1 more countries – Remote

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

⏰ Full Time

🟠 Senior

🤖 Android Engineer

👻 Ghost score 23%

What it means: how likely this posting is sitting open without active hiring.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, economics, roadmap, forecast, scorecard, and operating cadence of an assigned Android lending workstream • 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; quantify impact, dependencies, implementation needs, and downside risks • Design and improve credit-strategy elements including eligibility, PD cut-offs, offers, exposure limits, pricing, tenure, affordability, Top-Up, Consolidation, lifecycle strategy, policy overlays, routing, and graduation logic • Conduct cohort, vintage, funnel, and segment analysis and design controlled experiments with valid controls, maturity windows, and rollback conditions • Translate recommendations into decision-engine rules, parameters, analytical code, SQL, and implementation requirements • Define replay, back-testing, validation, testing, staged rollout, monitoring, and rollback plans • Monitor released strategies, take corrective action, maintain documentation, policy versioning, and decision traceability • Prepare analytical and implementation briefs, define owners and milestones, manage dependencies, and escalate blockers or decisions outside authority • Collaborate with Android portfolio leadership, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations, and Customer Service • Review peer analysis, mentor analysts, document critical knowledge, represent the workstream in senior forums, and deputise for designated portfolio or risk leads

🎯 Requirements

• Own end-to-end Android lending workstream performance, economics, planning, forecasts, and corrective actions • Manage approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value, and recoverability metrics • Design and improve credit strategies involving eligibility, PD cut-offs and calibration, offers, exposure limits, pricing, tenure, DTI, affordability, income-source treatment, Top-Up, Consolidation, lifecycle strategy, policy overlays, routing, and graduation logic • Conduct rigorous cohort, vintage, funnel, and segment analysis • Design controlled experiments with valid controls, maturity windows, and rollback conditions • Produce scale, hold, iterate, or stop recommendations • Translate recommendations into decision-engine rules, parameters, SQL, analytical code, and decision logic • Define replay, back-testing, validation, testing, staged rollout, monitoring, and rollback requirements • Review implementation logic for unintended policy or model interactions • Maintain clear documentation, policy versioning, and decision traceability • Work cross-functionally with portfolio leadership, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations, and Customer Service • Operate within agreed risk appetite, budgets, and delegated authority • Review peer analysis, mentor analysts, document critical policy/model/decision-engine knowledge, and deputise for senior risk or portfolio leads

🏖️ Benefits

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