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
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
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