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Portfolio Analyst
About this role
Renmoney in Lagos is hiring a Portfolio Analyst to help scale and optimise its credit portfolio. The role involves hands-on work with portfolio metrics, risk strategies and pricing, collaborating with Product and Data Science to turn data into decisions. It is suitable for professionals with analytics or portfolio analytics experience.
What you would do
- Monitor and analyse key portfolio metrics (FPD, PD, LGD, NPL, Surplus) and assess LTV and pricing impacts
- Develop customer segmentation strategies by risk level, product and acquisition channel
- Assess the impact of internal initiatives on financial results and optimise portfolio structure to balance high yield and low risk loans
- Monitor risk concentration by regions, products and borrower segments; adjust credit policy using default and early repayment data
- Develop and improve processes related to loan origination
- Collaborate with the Data Science team to support scoring model calibration and performance assessment
What they are asking for
- 3+ years of analytics or portfolio analytics experience
- Higher education in a technical or economics-related field
- Strong understanding of credit risks and metrics (PD, NPL, FPD, SPD, Roll Rate, CoR)
- Knowledge of probability theory and mathematical statistics
- Proficiency in Excel (advanced formulas, pivot tables) and SQL (window functions, subqueries)
- Experience with Python (NumPy, pandas, scikit-learn)
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