Jobs at FairMoney

• You will be working as a Software Engineer - Android in our Technology Division, alongside engineers in Lagos and remotely across the globe.
• This is a unique opportunity to be part of the core engineering team of a fast-growing fintech poised for more rapid growth in the coming years.

We are looking forward to you working on:

• Create, develop, and test new features; across the entire SDLC
• Maintain high-quality standards across all areas including code quality
• Knowledge sharing & mentor junior developers

Our technical stack:

• Our customer-facing product is an Android application;
• It communicates with a Ruby on Rails or Go-lang backend (sidekiq, rspec);
• Our ML pipeline is an API-flask (Python);
• We are hosted on AWS: we use Kubernetes, SNS, SQS, Lambdas, an RDS Aurora
• Mysql and PostgreSQL databases as well as DynamoDB, S3, Kinesis (data-stream,
• firehose);
• Prototype of a data warehouse on GCP (GCS, BigQuery, Cloud Composer);
• We run our CI/CD pipeline with GitHub Actions

Requirements

• 4+ years of professional experience in Android native development.
• 4+ years Coding in Kotlin/Java
• 2+ years experience in pair programming, TDD, code reviews
• 2+ years Unit Tests, Instrumented Tests, and End to End Tests
• Ability to create clean, efficient and high-quality code
• You are familiar with multi-module apps
• You are comfortable with Clean architecture and using Coroutines (or RxJava)
• You are comfortable with Clean Architecture, Jetpack Compose, and Coroutines
• You use AI-assisted development tools well, and know where they help and where they don't

Soft Skills:

• Driven by impact
• Great team player & communicator, who at the same time can also work
• autonomously
• Proactive and hard-working - "Get it done" attitude
• Will to over-reach objectives.

Benefits

• Private Health Insurance
• Pension Plan
• Training & Development
• Remote work
• Paid Time Off.

Recruitment Process

• HR Screening: 30 minutes
• Hiring Manager Interview: 30 minutes
• Technical interview with the Engineering team: 60 minutes.

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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

• 4–7+ years in consumer credit risk, credit strategy, lending analytics or portfolio management
• Strong experience in digital unsecured lending, consumer finance, credit cards, overdrafts, BNPL or a related environment
• Evidence of owning a material credit-strategy workstream through analysis, implementation and monitoring
• Strong understanding of PD, LGD, EAD, vintages, roll rates, FPD, PAR, NPL, ECL, pricing, offers, tenure, exposure and NPV
• Strong SQL capability and comfort with Python, R or equivalent analytical tooling
• Experience translating credit strategy into decision-engine requirements or production rules
• Strong written and verbal communication
• Ability to work independently in a fast-moving and ambiguous environment.

Benefits

• 25 days paid vacation, Sick & Public Holidays to B2B contractors.
• Remote (timezone must have significant overlap with CET).
• Training & Development budget.
• Paid company business trips.

Recruitment Process

• A screening interview with one of the members of the Talent Acquisition team.
• Business Case Study
• Technical interview with Global Head of Android Lending
• Final Interview with Chief Credit Officer.

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About the Role

• We are looking for an experienced Engineering Manager to lead a team of engineers responsible for building and scaling reliable technology solutions for our lending and credit products.
• You will combine strong technical expertise with people leadership, working closely with Product, Data, Risk, and other stakeholders to translate business needs into scalable technical solutions.
• You’ll be responsible for engineering execution, technical direction, team development, and the reliability of the systems your team owns.

What You’ll Do

• Lead, mentor, and develop a team of software engineers, creating a high-performing and collaborative engineering culture.
• Own the technical direction and delivery of systems supporting lending and credit products.
• Work closely with Product, Risk, Data, and other teams to define technical solutions and delivery priorities.
• Drive the design, development, and scaling of reliable backend services and distributed systems.
• Participate in architectural decisions and ensure solutions are scalable, maintainable, and resilient.
• Set engineering standards around code quality, testing, deployment, observability, and system reliability.
• Support engineers with technical guidance, code reviews, architecture discussions, and complex problem-solving.
• Identify and address technical debt, performance bottlenecks, and system reliability issues.
• Ensure effective planning, prioritisation, and timely delivery of engineering initiatives.
• Establish and track engineering metrics around delivery, quality, reliability, and operational performance.
• Support incident management and ensure effective root-cause analysis and follow-up.
• Coach engineers through regular 1:1s, feedback, career development, and performance management.
• Participate in hiring and help build a strong engineering team.

What We’re Looking For

• 7+ years of software engineering experience, with significant experience in backend development (Golang).
• 2+ years of experience managing or leading engineering teams.
• AI native development familiarity
• Hands-on coding experience and contribution is must to have, you would be expected to design and code the new system and lead with examples.
• Strong experience designing and building distributed systems and scalable backend applications.
• Experience working within lending, credit, fintech, payments, or a closely related financial domain.
• Strong understanding of relational database design, optimisation, indexing, and query performance.
• Strong knowledge of system design, software architecture, APIs, microservices, and asynchronous/event-driven systems.
• Proven experience delivering complex technical projects from design through production.
• Strong understanding of software development practices, CI/CD, testing, monitoring, and production operations.
• Experience mentoring engineers and developing technical talent.
• Strong communication and stakeholder-management skills, with the ability to work effectively across technical and non-technical teams.
• Ability to balance technical quality, business priorities, and delivery timelines.

Nice to Have:

• Experience building or scaling credit decisioning, loan management, repayment, collections, or risk systems.
• Experience working with high-volume transactional systems.
• Experience with cloud infrastructure and modern DevOps practices.
• Experience leading distributed or geographically dispersed engineering teams.
• Experience hiring and scaling engineering teams in a fast-growing organisation.
• Programming language: golang, react (some level of frontend development would be good to have).

Benefits

• Private Health Insurance
• Pension Plan
• Training & Development
• Remote work
• Paid Time Off

Recruitment Process

• HR Screening: 30 minutes
• Hiring Manager Interview: 30 minutes
• Technical interview with the Engineering team: 60 minutes.