Android Lending Portfolio Leader & Strategy Owner

Fairmoney; Johannesburg; Remote; ZAR 900,000 - 1,500,000; Full time

Benefits offered by this job

25 days paid vacation

Remote (timezone overlap with CET)

Training & Development budget

Paid company business trips

Job summary

FairMoney is seeking a Lead Risk Manager & Portfolio Owner to run the Android Quick Loans portfolio in Nigeria with end-to-end ownership of commercial, economic, risk and people outcomes. The role is remote for South Africa and other countries, and hybrid for Nigeria and India, combining strategic oversight with hands-on decisioning.

You will define PD cut-offs, pricing, offers, tenure, exposure limits and fraud overlays while driving affordability, experimentation and production delivery across

Qualifications

• 6+ years in consumer credit risk, credit strategy or lending portfolio management.
• Proven ownership of a material lending portfolio including revenue, GLB, risk and profitability.
• Experience building annual business plans, monthly forecasts and corrective action plans.
• Strong digital unsecured-lending experience; Nigerian or broader African-market experience preferred.
• Advanced understanding of PD, LGD, EAD, IFRS 9/ECL, pricing, tenure, exposure, affordability and NPV.
• Strong executive communication and the confidence to challenge decisions with evidence.

Responsibilities

• Own Android revenue, gross loan book growth and risk-adjusted profit metrics.
• Build and own annual Android business plan and strategic roadmap.
• Produce monthly portfolio forecast and align actuals with budget and forecast.
• Drive cross-functional actions with Finance, Product, Engineering and Risk.
• Design and implement affordability signals and decision rules for lending.
• Lead a senior Android credit-strategy team and establish weekly/monthly rhythms.

Skills

Credit risk

Portfolio ownership

Executive communication

Forecasting

Leadership

Tools

SQL

Python

Job description

FairMoney is seeking a Lead Risk Manager & Portfolio Owner to run the Android Quick Loans portfolio in Nigeria with end-to-end ownership of commercial, economic, risk and people outcomes. The role is remote for South Africa and other countries, and hybrid for Nigeria and India, combining strategic oversight with hands-on decisioning.

You will define PD cut-offs, pricing, offers, tenure, exposure limits and fraud overlays while driving affordability, experimentation and production delivery across