Senior Risk Analyst - Android Lending

[FairMoney](https://himalayas.app/companies/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](https://himalayas.app/companies/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](https://himalayas.app/companies/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](https://himalayas.app/companies/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](https://himalayas.app/companies/fairmoney)’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative video. ### The role We are hiring a **Senior Risk Analyst** to own a material credit-strategy workstream within [FairMoney](https://himalayas.app/companies/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 ### 1\. 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 ### 2\. 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 ### 3\. 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 ### 4\. 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 ### 5\. 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 ### 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 ### 5\. 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 ### 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 Originally posted on [Himalayas](https://himalayas.app)