Senior Credit Risk Analyst (Remote) at Fairmoney Microfinance Bank

FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia.

We are recruiting to fill the position below:

Job Title: Senior Credit Risk Analyst

Location: Lagos (Remote)
Employment Type: Full Time

About the Role

• You will be working as a Risk Analyst in the Risk department and will be responsible for driving the growth of our portfolio in Nigeria. Your mission is to ensure portfolio performance according to the company OKRs, offering the best-tailored credit services to as many clients as possible. Your goal is to build FairMoney as a Tier 1 digital lender in Nigeria and you will be a key Business Partner to achieve the same.
• As the Risk Analyst for the Nigerian business, you will be part of a team that plays a critical role in managing FairMoney's ability to grow in the market. You will be one of the key stakeholders and contributors in decisions revolving around the business and product strategies.

Roles and responsibilities

• Assist in the development of collections strategy.
• Strategic campaign planning and optimization of new and existing collections models.
• Utilize data sets to perform analytics and propose solutions.
• Own the collections performance metrics– recovery rates, roll rates, dialler metrics, collections operational metrics
• Collaborate with Collections Operations team on a daily basis.
• Communicate the performance results and other findings with the respective stakeholders
• Design and implement experiments to optimize recoveries. 
• Implementing the best possible methodologies in improving collections performance.

Requirements

• At least 2 years experience with exposure to Fintech / retail banking credit risk (consumer loans) / NBFCs
• Expert in credit risk analysis/underwriting principles, methods, and practices
• Proficient SQL user, with reasonable experience with BI tools like Tableau, PowerBI, or similar
• Strong quantitative analysis experience
• Strong attention to detail and ability to notice discrepancies in data
• Impeccable understanding of financial statements, ratios, and concepts
• Strong communication skills.

Application Closing Date
Not Specified.