Portfolio Analyst

🕒 February 5

🌐 Russia, Kazakhstan, +3 more countries – Remote

🇷🇺 Russia – Remote 🇰🇿 Kazakhstan – Remote 🇷🇸 Serbia – Remote 🇳🇬 Nigeria – Remote 🇬🇪 Georgia – Remote

⏳ Contract/Temporary

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 33%

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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Renmoney

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2012

💳 Fintech

👥 B2C

🏦 Banking

Fintech • B2C • Banking

Renmoney is a digital banking platform that offers financial solutions such as loans, savings, and payments to consumers in Nigeria. With over ten years of experience, the company specializes in providing convenient loans and high-interest savings options to under-banked individuals, facilitating easy access to financial services through its user-friendly app. Renmoney is licensed and regulated by the Central Bank of Nigeria and aims to empower users by making their money work harder for them while ensuring a seamless banking experience.

📋 Description

• Analyze and monitor key portfolio metrics: FPD, PD, LGD, NPL, and Surplus • Assess LTV and actively participate in product pricing • Develop customer segmentation strategies by risk levels, products, and acquisition channels • Assess the impact of internal initiatives on financial results • Optimize portfolio structure by balancing high-yield and low-risk loans • Monitor risk concentration by regions, products, and borrower segments • Adjust credit policy based on default and early repayment data • Develop and improve loan origination processes • Formulate requirements for scoring models, including PD model calibration • Analyze scoring card performance and propose improvements • Work with cash flow forecasting models • Collaborate with Product and Data Science teams to turn data into decisions

🎯 Requirements

• 3+ years of experience in analytics or portfolio analytics • Higher education, preferably in a technical or economics-related field • Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR • Knowledge and practical application of probability theory and mathematical statistics • Excel proficiency, including advanced formulas and pivot tables • SQL proficiency, including window functions and subqueries • Basic Python experience with NumPy, pandas, and scikit-learn • Knowledge of regulatory requirements applicable to MFIs/Banks • Experience with Big Data and BI systems • Basic understanding of ML models and interpretation of scoring results • Knowledge of financial models and statements, including NPV, DCF, and P&L • Experience with A/B testing • Knowledge of MFI/Banking products, including microloans, credit cards, and credit lines

🏖️ Benefits

• Remote work from anywhere in the world • Performance bonus • Paid vacations and day-offs • Personal development plan • Competitive salary • Flexibility • Collaboration • Access to cutting-edge tools • Diverse, inclusive team environment • Professional growth opportunities