Senior Risk Analyst - Android Lending

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures.

In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities. To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative video .

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

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

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