Senior Risk Analyst - Android Lending

The Role 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 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.