Senior Risk Analyst – Android Lending

Job Overview

FairMoney is hiring a Senior Risk Analyst to own a material credit-strategy workstream within its Android lending portfolio. This is a hands-on role with responsibility for credit strategy, implementation, monitoring and P&L impact rather than monitoring or reporting alone.

Job Details

• Employer: FairMoney
• Job Type: Full Time
• Experience: 4–7+ years in consumer credit risk, credit strategy, lending analytics or portfolio management
• Job Field: Banking & Financial Services
• Job Level: Senior
• Department: Risk
• Locations: India, South Africa, Nigeria
• Work Arrangement: Remote
• Application Deadline: Not specified

About the Organization

FairMoney is a pioneering 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 building a mobile banking platform and point-of-sale solution for emerging markets. Its services include digital microcredit, current accounts, savings accounts, debit cards and POS solutions for merchants and agents. The company has a workforce representing more than 27 nationalities.

Responsibilities

Workstream Economics and Planning

• Own the end-to-end performance of the assigned Android workstream.
• Build a prioritised strategy and delivery roadmap aligned with the Android annual business plan.
• Own workstream assumptions, monthly forecasts and corrective actions.
• Review budget-versus-actual performance and explain material variances.
• Manage approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability metrics.
• Identify material risk, economic leakage and profitable growth opportunities.
• Quantify expected impact, implementation requirements, dependencies and downside risks.

Credit Strategy and Experimentation

• Design and improve eligibility, requalification and rejected-customer re-entry strategies.
• Develop PD cut-offs and calibration, offers, exposure limits, pricing and tenure strategies.
• Assess DTI, affordability and income-source treatment.
• Develop Top-Up and Consolidation eligibility, repeat-customer growth and customer-lifecycle strategies.
• Design high-risk treatments, policy overlays, customer routing and graduation logic.

Production Implementation and Controls

• Translate recommendations into decision-engine rules, parameters and implementation requirements.
• Work directly with SQL, analytical code and decision logic where required.
• Define replay, back-testing, validation and testing requirements.
• Review implementation logic for unintended policy or model interactions.
• Define staged rollout, monitoring and rollback plans.
• Monitor released strategies and take corrective action when performance differs from expectation.
• Maintain clear documentation, policy versioning and decision traceability.

Cross-functional Delivery and Governance

• Work with Android portfolio leadership, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service.
• Write analytical and implementation briefs, define owners and milestones, and set expected economic impact.
• Manage dependencies, escalate blockers with options, and operate within agreed risk appetite, budgets and delegated authority.
• Scale, pause, modify or roll back controlled strategies within the assigned mandate.
• Escalate decisions outside authority or involving material legal, regulatory or customer-conduct implications.

Senior Individual-Contributor Leadership and Succession

• Act as the recognised owner of the assigned workstream and set its roadmap, forecast, scorecard and operating cadence.
• Review peer analysis and improve analytical and implementation standards.
• Mentor other analysts where required and document critical policy, model and decision-engine knowledge.
• Reduce key-person dependency and represent the workstream in senior forums.
• Deputise for the Lead Risk Manager, Portfolio Owner or designated workstream lead when required.

Requirements and Qualifications

• 4–7+ years of experience in consumer credit risk, credit strategy, lending analytics or portfolio management.
• Strong experience in digital unsecured lending, consumer finance, credit cards, overdrafts, BNPL or a related environment.
• Evidence of owning a material credit-strategy workstream through analysis, implementation and monitoring.
• Strong understanding of PD, LGD, EAD, vintages, roll rates, FPD, PAR, NPL, ECL, pricing, offers, tenure, exposure and NPV.
• Strong SQL capability and comfort with Python, R or equivalent analytical tooling.
• Experience translating credit strategy into decision-engine requirements or production rules.
• Strong written and verbal communication skills.
• Ability to work independently in a fast-moving and ambiguous environment.

Compensation and Work Conditions

• Remote work, with significant timezone overlap with CET required.
• 25 days of paid vacation.
• Sick and public holidays for B2B contractors.
• Training and development budget.
• Paid company business trips.

Recruitment Process

1. Screening interview with a member of the Talent Acquisition team.
2. Business case study.
3. Technical interview with the Global Head of Android Lending.
4. Final interview with the Chief Credit Officer.

Quick Eligibility Check

• Required experience: 4–7+ years in consumer credit risk, credit strategy, lending analytics or portfolio management
• Verified duty stations: India, South Africa, Nigeria
• Employment type: Full Time
• Work arrangement: Remote
• Core requirement: Strong SQL capability
• Core requirement: Experience translating credit strategy into decision-engine requirements or production rules
• Core requirement: Strong written and verbal communication skills
• Core requirement: Ability to work independently in a fast-moving and ambiguous environment

Application Readiness Checklist

• Show evidence of the required experience through relevant roles, dates and measurable responsibilities.
• Tailor your CV to demonstrate experience in consumer-credit strategy, portfolio economics, SQL analysis, decision-engine rules, credit-risk metrics, lending experimentation and production implementation.
• 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.