Portfolio Analyst-Consumer Lending

Job Overview

The Portfolio Analyst will provide dedicated portfolio analytics for FairMoney’s Consumer Lending Risk team. The role will support timely visibility into portfolio performance, early identification of emerging risks, and data-driven credit and portfolio decisions as the business scales.

The position covers the full consumer lending lifecycle, from applications and underwriting through disbursements, repayments, delinquency, collections, recoveries, and credit loss trends. It also involves portfolio monitoring, risk analysis, dashboard development, forecasting, and cross-functional collaboration.

Job Details

Employer: FairMoney
Job Type: Full Time
Qualification: Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline
Experience: At least 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics
Job Field: Banking & Financial Services
Location: Lagos, Nigeria
Application Deadline: Not specified

About the Organization

FairMoney is a mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company operates primarily within Nigeria and has secured nearly €50 million in funding from global investors including Tiger Global, DST, and Flourish Ventures.

FairMoney is developing a mobile banking platform and point-of-sale solution for emerging markets. Its services include a digital microcredit application for Android and iOS devices, current accounts, savings accounts, debit cards, and point-of-sale solutions for merchants and agents. The company has a diverse workforce representing more than 27 nationalities and focuses on reshaping financial services for underserved communities.

Responsibilities

Portfolio Analytics and Monitoring

• Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
• Analyse portfolio vintages and key risk metrics, including first payment default, early delinquency, PAR and DPD, roll rates, cure rates, defaults, recoveries, and credit loss trends.
• Perform segmentation analysis by risk grade, customer profile, product, loan amount, tenor, pricing, acquisition channel, and other relevant dimensions.
• Monitor the end-to-end lending funnel and identify the drivers of approval, conversion, utilisation, and portfolio performance.
• Assess the impact of changes to credit rules, limits, pricing, underwriting, and product strategies through cohort, vintage, and policy-impact analysis.
• Identify emerging portfolio risks, investigate root causes, and recommend appropriate actions or areas for intervention.

Reporting, Dashboards, and Forecasting

• Build, automate, and maintain Tableau dashboards for Risk, management, and other relevant stakeholders.
• Track collections performance and collaborate with Collections to understand delinquency movements, treatment effectiveness, and recovery outcomes.
• Support portfolio forecasting, risk appetite monitoring, performance reviews, and periodic management and credit reporting.

Cross-functional Collaboration

• Partner with Product, Data and BI, Engineering, Underwriting, and Collections to improve data availability, quality, and reporting.

Key Performance Indicators

• Timeliness, accuracy, and reliability of portfolio dashboards and reports.
• Speed of identification and escalation of emerging portfolio risks.
• Coverage and automation of recurring portfolio reporting.
• Quality and actionability of insights and recommendations.
• Turnaround time for priority portfolio analyses.
• Consistency of metric definitions and reconciliation with source data.

Requirements and Qualifications

Education and Experience

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline.
• At least 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics.
• Demonstrated experience analysing loan portfolio performance and the lending lifecycle from application and underwriting through repayment, delinquency, and collections.
• Hands-on experience building and maintaining Tableau dashboards.

Knowledge and Capabilities

• Strong SQL and data-analysis skills, with proficiency in Excel.
• Strong understanding of consumer credit risk, portfolio monitoring, and lending economics.
• Working knowledge of vintage analysis, PAR and DPD, roll rates, cure rates, defaults, recoveries, and loss trends.
• Ability to interrogate large datasets, validate results, and translate findings into clear business actions.
• Strong problem-solving skills, attention to detail, and sound commercial judgement.
• Ability to communicate analytical findings clearly to technical and non-technical stakeholders.
• Ability to manage priorities independently in a fast-paced, cross-functional environment.

Additional Advantage

• Experience analysing credit bureau data and affordability, income, or salary-verification signals.
• Experience with Python or another analytical language.

Compensation and Work Conditions

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training and Development

Recruitment Process

1. A 30-minute screening call with a member of the recruitment team.
2. A technical interview with the hiring manager lasting 30 to 60 minutes.

Quick Eligibility Check

• Minimum qualification: Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline
• Required experience: At least 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics
• Verified duty station: Lagos, Nigeria
• Employment type: Full Time
• Core requirement: Experience analysing loan portfolio performance across the lending lifecycle
• Core requirement: Hands-on experience building and maintaining Tableau dashboards
• Core requirement: Strong SQL and data-analysis skills
• Core requirement: Proficiency in Excel
• Preferred requirement: Experience analysing credit bureau data and affordability, income, or salary-verification signals
• Preferred requirement: Experience with Python or another analytical language

Application Readiness Checklist

• Make the required qualification easy to verify in the education or certification section of your CV.
• Show evidence of the required experience through relevant roles, dates and measurable responsibilities.
• Tailor your CV to demonstrate experience in consumer-credit portfolio analysis, lending risk metrics, vintage analysis, Tableau dashboards, SQL, Excel, delinquency monitoring and credit-loss reporting.
• Confirm that the vacancy is still open before submitting your application.

Vacancy Verification

This vacancy was checked by AfriJobSpace on September 23, 2026 against the employer’s official recruitment source. View the official vacancy source.

Application Safety

Apply only through the verified application channel provided on this page. Do not pay anyone to submit or process your application. Verify unexpected recruitment messages with the named employer or authorized recruiter through an independently confirmed contact channel.

How to Apply

Interested and qualified candidates should submit their application through FairMoney’s verified recruitment channel using the Apply for Job button on this page.