Job Opportunities API

Before you apply: Here is an interview Q&A for you: Click here NOTE : Here is why some companies may not hire you. Hey!! Update Your CV Like a Pro . HERE are Tips from an Experienced Recruiter Risk Analyst at FairMoney, Remote (Nigeria) 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 . 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 Requirements • 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 Benefits • 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