Portfolio Analyst

Renmoney; United States; Remote; USD 19,000 - 30,000; Full time

Benefits offered by this job

Remote work from anywhere in the world

Competitive salary

Professional development plan

Job summary

Renmoney is seeking a Portfolio Analyst to scale and optimize the credit portfolio. You will work hands-on with portfolio metrics, risk strategies, and pricing, collaborating with Product and Data Science to turn data into clear decisions.

You will analyze key metrics, develop segmentation, monitor risk, and support model calibration and forecasting initiatives in a globally remote role.

Qualifications

• 3+ years of experience in analytics or portfolio analytics.
• Higher education in a technical or economics field.
• Strong understanding of credit risks and metrics (PD, NPL, FPD, SPD, Roll Rate, CoR).
• Knowledge of probability theory and mathematical statistics.
• Proficiency with Excel, SQL and Python for data analysis.

Responsibilities

• Credit Portfolio Management: monitor metrics, participate in pricing, segment customers by risk.
• Risk Management: monitor risk concentration, adjust credit policy, improve loan origination processes.
• Collaboration with Data Science: define scoring model requirements and analyze model performance.
• Support cash flow forecasting models and contribute to portfolio optimization.

Skills

Portfolio analytics

Credit risk concepts

Probability theory

Statistical methods

Data interpretation

Education

Bachelor’s degree in technical or economics field

Tools

Excel

SQL

Python (NumPy, pandas, scikit-learn)

Job description

We’re looking for a Portfolio Analyst to help us scale and optimize our credit portfolio. You’ll work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions. The scope of responsibilities will include:

Credit Portfolio Management:

• Analysis and monitoring of key portfolio metrics: FPD, PD, LGD, NPL, Surplus;
• LTV assessment and active participation in product pricing;
• Development of customer segmentation strategies (e.g., by risk levels, products, acquisition channels);
• Assessment of the impact of internal initiatives on financial results;
• Optimization of the portfolio structure (balancing high-yield and low-risk loans).

Risk Management:

• Monitoring of risk concentration (e.g., by regions, products, borrower segments);
• Adjustment of credit policy based on default and early repayment data;
• Development and improvement of processes related to loan origination.

Collaboration with the Data Science Team:

• Formulation of requirements for scoring models (e.g., calibration of PD models);

• Analysis of scoring card performance and proposals for their improvement;

• Work with cash flow forecasting models.

• 3+ years of experience in analytics or portfolio analytics;

• Higher education, preferably in a technical or economics-related field;

• Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR;

• Knowledge and practical application of probability theory and mathematical statistics;

• Proficiency with analytical tools:

  • Excel (advanced formulas, pivot tables);
  • SQL (window functions, subqueries);
  • Experience working with Python (basic level: NumPy, pandas, scikit-learn);

• Knowledge of regulatory requirements applicable to MFIs/Banks.

Nice to Have:

• Experience with Big Data and BI systems;

• Basic understanding of ML models (interpretation of scoring results);

• Knowledge of financial models and statements (NPV, DCF, P&L);

• Experience with A/B testing;

• Knowledge of MFI/Banking products: microloans, credit cards, credit lines.

• Remote work from anywhere in the world

• Performance bonus, paid vacations and day-offs, personal development plan

• Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary

• Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools

• Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.