Senior Risk Analyst - Android Lending

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.