You will be working as our Nigeria's Credit Risk Manager in the Risk department and will be responsible for driving the growth of our portfolio in Nigeria.
Your mission is to ensure portfolio performance according to the company OKR's, offering the best-tailored credit services to as many clients as possible.
Your goal is to build FairMoney as a Tier 1 digital lender in Nigeria and you will be a key Business Partner to achieve the same.
As the Credit Risk Manager for the Nigerian business, you will lead a team that plays a critical role in managing FairMoney ability to grow in the market. As such you will be considered as a key stakeholder and contributor in all decisions revolving around the business and product strategies.
Responsibilities
Own the main portfolio metrics - default rates, acceptance rates and profitability
Drive the decision of new risk product updates in terms of product offerings and underwriting funnel improvements - Work closely together with the Product and Engineering team on improvements for the lending product
Build, improve and maintain the credit risk policy for Nigeria that will allow to grow the portfolio according to company OKRs - Communicate the performance results with the respective stakeholders
Keep up to date with the company’s lending protocols
Benchmarking current risk practices against those stipulated within business units
Implementing the best possible methodologies in improving the credit performance, considering the risk associated, yet offering the prime credit facility
Own the structuring and hiring of a Risk Analysis and Data Science team as well as their agenda
Mentoring and coaching talents, scaling up the team as and when required.
Requirements
5 to 7 years experience with exposure to Fintech / retail banking credit risk (consumer loans) / NBFCs
Expert in credit risk analysis/underwriting principles, methods, and practices
Proficient SQL user, reasonable experience with BI tools like Tableau, PowerBI or similar
Strong quantitative analysis experience
Strong attention to detail and ability to notice discrepancies in data
Impeccable understanding of financial statements, ratios, and concepts
Gmail
Yahoomail