Senior Risk Analyst - Android Lending

FairMoney; India; On-site; INR 851,000 - 1,418,000; Full time

Job summary

FairMoney in Nigeria is hiring a Senior Risk Analyst to own a material credit‑strategy workstream within the Android lending portfolio. This is not a monitoring‑only role but a hands‑on, P&L‑impacting credit strategy and succession position.

You will work with cross‑functional teams to design and implement risk rules, calibrations, experiments, and decision logic, translating recommendations into engine parameters and monitoring outcomes after rollout.

Responsibilities

• Own end-to-end performance of your 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
• 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
• 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

Job description

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 informativevideo.

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 escal...