Senior Credit Strategy Analyst, Android Lending (Nigeria)

FairMoney; South Africa; On-site; ZAR 148,000 - 222,000; Full time

Job summary

FairMoney is seeking a Senior Risk Analyst to lead a material credit‑strategy workstream within its Android lending portfolio in Nigeria. This hands‑on role drives P&L impact, shaping risk, pricing, and customer policies beyond monitoring or reporting.

You will partner across Analytics, Engineering, Product, Finance and Compliance to translate strategy into executable decisions and robust controls.

Responsibilities

• Own the end-to-end performance of the Android workstream.
• Create a prioritized strategy and roadmap aligned to the Android plan.
• Own the workstream assumptions, monthly forecast and corrective actions.
• Review budget vs actual performance and explain variances.
• Manage approvals, disbursal, exposure, revenue and risk metrics.
• Identify material risk and profitable growth opportunities.
• Quantify impact, requirements, dependencies and risks.
• Design and test eligibility, requalification and re-entry rules.
• Calibrate PD cut-offs and pricing strategies.
• Define offers, exposure limits, tenure and affordability rules.
• Address income-source treatment and top-up eligibility.
• Plan repeat-customer growth and lifecycle strategies.
• Apply high-risk treatments and policy overlays.
• Map customer routing and graduation logic.
• Translate recommendations into decision-engine parameters and rules.
• Work with SQL, analytical code and decision logic as needed.
• Define replay, back-testing, validation and testing plans.
• Review implementations for policy/model interactions.
• Plan staged rollouts, monitoring and rollback actions.
• Maintain documentation, versioning and traceability.
• Collaborate with Android leadership, Decision Science, Eng, Product, Finance, Compliance and Ops.

Tools

SQL

Job description

FairMoney is seeking a Senior Risk Analyst to lead a material credit‑strategy workstream within its Android lending portfolio in Nigeria. This hands‑on role drives P&L impact, shaping risk, pricing, and customer policies beyond monitoring or reporting.

You will partner across Analytics, Engineering, Product, Finance and Compliance to translate strategy into executable decisions and robust controls.