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Senior Collections Risk Analyst at Fairmoney Microfinance Bank

Posted on Fri 27th Jun, 2025 - hotnigerianjobs.com --- (0 comments)


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 Collections Risk Analyst

Location: Lagos

About the role

  • A highly analytical professional with deep expertise in Expected Credit Loss (ECL) modeling forecasting and collections risk analysis.
  • This role is critical in shaping data-driven recovery strategies by analyzing delinquency trends, risk segmentation, and portfolio performance.
  • The individual must have a strong understanding of how predictive models work, impact collections strategies, and how to interpret their outputs to optimize recovery efforts.
  • The individual will be responsible for analyzing risk trends, evaluating collections effectiveness, and providing actionable insights to improve recoveries.
  • This position requires hands-on experience with SQL, Python (for data analysis), and statistical modeling concepts, as well as a thorough understanding of how underwriting decisions and collections operations impact Expected Credit Loss and overall portfolio risk.

Responsibilities
ECL Modeling & Forecasting:

  • Analyze and interpret ECL models and forecasts, providing insights into expected recoveries and risk exposure.
  • Utilize historical delinquency and recovery data to assess the accuracy of ECL projections and recommend refinements.
  • Perform vintage analysis and roll-rate modeling to understand credit deterioration and its impact on collections risk.
  • Support stress testing efforts to evaluate portfolio performance under different collections strategies and economic conditions.
  • Monitor and assess loss provisioning trends, ensuring alignment between collections strategies and expected recoveries.

Collections Performance Analytics & Risk Segmentation:

  • Analyze cohort performance, delinquency trends, and borrower segmentation to optimize collections strategies.
  • Evaluate the effectiveness of existing collections treatment paths, identifying areas for improvement.
  • Assess the impact of credit underwriting decisions on collections outcomes, ensuring alignment between risk assessment and recovery strategies.
  • Support the design and execution of A/B testing for different collections approaches, using data to recommend optimal strategies.
  • Monitor roll rates and transition matrices to detect early signs of delinquency risk and recommend intervention strategies.

Understanding of Predictive Models & Strategy:

  • Interpret the outputs of propensity-to-pay models and predictive risk models, using insights to refine collections outreach.
  • Work closely with data science teams to understand how machine learning models assess collections risk and borrower behavior.
  • Leverage model-driven insights to enhance borrower segmentation, call center efficiency, and digital engagement strategies.
  • Identify leading indicators of non-repayment, ensuring proactive collections intervention before delinquency worsens.
  • Collaborate with strategy teams to refine contact strategies based on predictive insights, improving recovery rates.

Collaboration & Process Improvement:

  • Work closely with finance, risk, and collections operations teams to ensure accurate forecasting and risk assessment.
  • Provide data-driven recommendations to improve collections efficiency, reduce cost to collect, and enhance customer engagement
  • Develop automated reporting and dashboards for tracking collections KPIs, recovery rates, and delinquency trends.
  • Support the Collections Analytics Manager in refining risk models and implementing strategy improvements based on data insights.
  • Evaluate and recommend new data sources to improve collections risk analysis and forecasting accuracy.

Key Skills & Qualifications
Technical & Analytical Skills:

  • Advanced proficiency in SQL and Python for data extraction, manipulation, and analysis.
  • Strong expertise in Expected Credit Loss (ECL) modeling, loss forecasting, and provisioning calculations.
  • Familiarity with statistical modeling, machine learning outputs, and predictive analytics in a credit risk or collections setting.
  • Understanding of vintage analysis, roll-rate modeling, and transition matrices for delinquency risk assessment.
  • Experience with Power BI, Tableau, or similar visualization tools to present collections insights effectively.
  • Knowledge of IFRS 9 and other credit risk regulatory frameworks affecting ECL calculations.

Experience & Risk Management Expertise

  • 3+ years of experience in collections analytics, credit risk, or a related data-driven role.
  • Strong track record in forecasting delinquency trends and optimizing loss provisioning strategies.
  • Experience working with ECL models, understanding their inputs, outputs, and business implications.
  • Understanding of underwriting policies and how they influence collections risk and recovery strategies.
  • Experience in A/B testing for collections strategy optimization.
  • Strong ability to interpret predictive model outputs and apply insights to optimize collections operations.

Communication & Stakeholder Engagement:

  • Strong ability to translate complex data findings into actionable recommendations for senior leadership.
  • Experience working cross-functionally with finance, risk, and collections operations teams.
  • Ability to present technical insights in a clear, non-technical manner to business stakeholders.
  • Strong written and verbal communication skills to drive alignment on collections risk strategy.

Desired Traits:

  • Highly Analytical: Strong problem-solving skills with the ability to break down complex data into actionable insights.
  • Detail-Oriented: Ensures accuracy in reporting and forecasting to minimize risk exposure.
  • Proactive: Continuously seeks ways to improve ECL forecasting, risk segmentation, and collections efficiency.
  • Results-Driven: Focused on optimizing recovery rates and minimizing losses through data-driven strategy execution.
  • Adaptable: Thrives in a fast-paced, dynamic environment where collections and risk strategies evolve rapidly.

Benefits

  • Private Health Insurance
  • Pension Plan
  • Training & Development
  • Hybrid work
  • Paid Time Off.

Application Closing Date
Not Specified. 

How to Apply
Interested and qualified candidates should:
Click here to apply online

Recruitment Process

  • Screening interview with a Senior Recruiter- 30 minutes
  • Technical Assessment
  • Technical Interview with the Lead Risk Manager for 45-60 minutes.

  

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