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Team Tagline
About the role
FairMoney is a digital platform in Nigeria that allows you access instant loans in a few minutes through our android app. 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.
Required Skills
Preferred Skills
Similar Skills not Listed
Responsibilities
- 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 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
- Design and improve eligibility, requalification, PD cut-offs, offers, exposure limits, pricing, tenure, DTI, affordability, Top-Up and Consolidation eligibility, repeat-customer growth, high-risk treatments, customer routing and graduation logic
- Translate recommendations into decision-engine rules, parameters and implementation requirements
- Work directly with SQL, analytical code and decision logic
- 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
- Maintain clear documentation, policy versioning and decision traceability
- Work closely with Android portfolio leadership, 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
- 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
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