Job Title: Senior Risk Analyst – Android Lending

Location: Nigeria (Remote)

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

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.

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
For this role, economic profit means revenue less Expected Credit Loss, funding costs, customer-acquisition costs, fraud losses, servicing and collections costs, and any agreed direct operating or capital/liquidity charges.

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
You will conduct rigorous cohort, vintage, funnel and segment analysis; distinguish genuine credit movements from data or operational noise; and design controlled experiments with valid controls, maturity windows and rollback conditions.
Your output must be a clear scale, hold, iterate or stop recommendation—not only a dashboard or analytical finding.

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.

You will:

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.

Application Closing Date
Not Specified.

To apply for this job please visit apply.workable.com.