Senior Risk Analyst

FairMoney Microfinance Bank—a leading digital bank and mobile lender operating across emerging markets in Africa and Asia—is recruiting a Senior Risk Analyst - Android Lending for its Nigerian operations on a full-time remote basis. This is a hands-on, P&L-impacting credit strategy role responsible for owning a key workstream within FairMoney’s core Android digital lending portfolio. The position involves designing credit underwriting rules, optimizing Probability of Default (PD) cut-offs, managing portfolio metrics (PAR, NPL, ECL, FPD), coding decision engines via SQL, and driving risk-adjusted revenue growth.

• Location: Nigeria (Remote — requires significant timezone overlap with Central European Time / CET)

• Workstream P&L & Portfolio Economics: Own end-to-end performance and monthly forecasts for your assigned Android lending portfolio; monitor risk-adjusted Gross Profit, Expected Credit Loss (ECL), First Payment Default (FPD), Portfolio at Risk (PAR), and Non-Performing Loans (NPL).

• Credit Strategy & Experimentation: Design, test, and optimize eligibility rules, PD cut-offs, DTI/affordability limits, loan tenure, pricing, top-up eligibility, and customer graduation logic through vintage and cohort analyses.

• Decision Engine Implementation: Translate policy recommendations into decision-engine rules using SQL and analytical code; run back-testing, replay analysis, staged rollouts, and strategy monitoring.

• Cross-Functional Governance & Leadership: Partner with Product, Decision Science, Data Engineering, Growth, and Collections teams; set workstream scorecards and deputize for the Lead Risk Manager when required.

• Domain Expertise: Advanced background in consumer credit risk, digital lending strategy, risk modelling, portfolio analytics, and decision-engine logic.

• Technical Proficiency: Hands-on experience writing and executing SQL queries, handling decision engines, and conducting quantitative cohort/vintage analysis.

• Analytical Approach: Demonstrated experience managing portfolio P&Ls, calculating ECLs/PAR/FPD, and running controlled credit experiments to drive profitability.

• Remote Work Compatibility: Ability to work remotely while maintaining significant timezone overlap with CET.

• Vacation: 25 days paid vacation plus sick leave and public holidays for B2B contractors.

• Work Setup: 100% remote flexibility with paid company business trips.

• Growth: Dedicated Training & Development budget and career progression path toward portfolio leadership.