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Lead Risk Manager & Portfolio Owner
About this role
A senior role to own and drive FairMoney’s Android Quick Loans portfolio in Nigeria, overseeing commercial, economic, risk and people outcomes. It is effectively a mini-CEO position for the Android lending portfolio, requiring leadership across strategy, risk, and delivery.
What you would do
- Own Android portfolio economics, revenue, loan book growth and risk-adjusted profitability
- Develop and manage the annual business plan, forecast performance and corrective actions
- Lead credit strategy and decision-engine rules across new-to-bank, returning customers, Top-Ups and high-risk segments
- Design and run affordability approaches and experimentation with controlled tests
- Translate strategy into decision rules, parameters and implementation requirements
- Build and lead a senior cross-functional team and coordinate with Finance, Risk, Fraud, Product and Operations
What they are asking for
- 6+ years in consumer credit risk, credit strategy or lending portfolio management
- Proven ownership of a material lending portfolio or product line including revenue, GLB, risk and profitability
- Experience building annual business plans, forecasts and corrective action plans
- Strong digital unsecured-lending experience; Nigerian or broader African market preferred
- Advanced understanding of PD, LGD, EAD, IFRS 9/ECL, pricing, offers, tenure, exposure, affordability and NPV
- Strong SQL capability and comfort with Python or equivalent analytical tools
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