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Team Tagline
About the role
FairMoney is seeking a Business Intelligence Analyst to drive data-led decision-making across its lending business in Nigeria. This role involves transforming complex data into actionable insights to improve credit performance, optimize collections, enhance customer experience, and support rapid, profitable growth in the fintech market.
Required Skills
Preferred Skills
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Responsibilities
- Analyze large datasets across the lending lifecycle (acquisition, underwriting, disbursement, repayment, collections, recovery).
- Identify trends, risks, and opportunities to improve portfolio performance.
- Deliver actionable insights to Credit, Operations, Product, and Leadership teams.
- Build and maintain real-time dashboards (e.g., PAR, NPLs, recovery rates, disbursement volumes).
- Automate recurring reports for daily, weekly, and monthly performance tracking.
- Ensure data accuracy, consistency, and accessibility across teams.
- Support development and monitoring of credit scoring models using alternative data.
- Track portfolio health metrics (PAR 30/90, roll rates, default rates).
- Conduct cohort analysis to evaluate loan performance and risk segmentation.
- Analyze repayment behavior and optimize collections strategies.
- Build segmentation models for early-stage, late-stage, and high-risk borrowers.
- Support skip tracing and recovery optimization using data insights.
- Partner with Product teams to track user journeys, conversion funnels, and drop-off points.
- Design and evaluate A/B tests to improve acquisition, engagement, and repayment rates.
- Provide insights to optimize pricing, loan offers, and customer targeting.
- Work with Data Engineering to improve data pipelines, ETL processes, and warehouse structures.
- Automate manual reporting processes using SQL, Python, or BI tools.
- Ensure data governance and best practices in analytics.
- Support reporting requirements aligned with Central Bank of Nigeria (CBN) guidelines.
- Ensure integrity of financial and risk data used for audits and regulatory submissions.
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