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Portfolio Analyst
About this role
Renmoney is seeking a Portfolio Analyst to scale and optimise its credit portfolio. You will work with Product and Data Science to analyse portfolio metrics, manage risk strategies and pricing, and translate data into decisions. The role supports remote work and is part of a Nigerian fintech focused on delivering financial products to customers.
What you would do
- Analyse and monitor key portfolio metrics (FPD, PD, LGD, NPL, Surplus)
- Assess LTV and participate in product pricing decisions
- Develop customer segmentation strategies by risk level, product and acquisition channel
- Monitor risk concentration and adjust credit policy based on default and early repayment data
- Optimise portfolio structure to balance high-yield and low-risk loans
- Collaborate with Data Science on scoring model requirements and assess scoring card performance
What they are asking for
- 3+ years of analytics or portfolio analytics experience
- Degree in a technical or economics-related field
- Strong understanding of credit risk metrics (PD, NPL, FPD, SPD, Roll Rate, CoR)
- Knowledge of probability theory and mathematical statistics
- Proficiency with Excel (advanced formulas, pivot tables); SQL (window functions, subqueries); Python basics (NumPy, pandas, scikit-learn)
- Knowledge of regulatory requirements applicable to MFIs/Banks
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