Senior Risk Analyst - Android Lending

About this role

FairMoney, a Nigerian digital lending platform, is looking for a Senior Risk Analyst to own a material credit-strategy workstream within its Android lending portfolio in Nigeria. The role is hands-on and aims to deliver P&L impact through credit strategy development, implementation, and governance, not just monitoring or reporting. You will work with multiple teams to design, implement and monitor credit strategies, and represent the workstream in senior forums. The position requires leading end-to-end workstream performance, including forecasting, budgeting, and analysing risk and profitability metrics. The role may involve deputising for senior leaders and mentoring other analysts as needed.

What you would do

• Own the end-to-end performance of the assigned Android workstream
• Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan
• Forecast monthly performance and explain variances
• Manage approvals, disbursal, exposure, revenue, risk-adjusted gross profit, ECL, FPD, roll-rate, PAR, NPL, and recoverability metrics
• Identify material risk, economic leakage and growth opportunities with quantified impact and dependencies
• Design and improve credit strategy elements (eligibility, re-entry, pricing, tenure, affordability, etc.)
• Translate recommendations into decision-engine rules and implementation requirements
• Define testing, back-testing, validation, rollout, monitoring and rollback plans
• Maintain policy documentation, versioning and decision traceability
• Collaborate with cross-functional teams and escalate blockers when needed

What they are asking for

• 4 - 7+ years in consumer credit risk, credit strategy, lending analytics or portfolio management
• Strong experience in digital unsecured lending or related consumer finance environments
• Experience owning a material credit-strategy workstream from analysis to implementation and monitoring
• Deep understanding of PD, LGD, EAD, vintages, roll rates, FPD, PAR, NPL, ECL, pricing, offers, tenure, exposure and NPV
• Strong SQL skills and experience with Python, R or equivalent tools
• Experience turning credit strategy into production decision rules
• Effective written and verbal communication
• Ability to work independently in a fast-moving, ambiguous environment

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