# Senior Risk Analyst - Android Lending

**Company:** [FairMoney](https://jobs.workable.com/companies/ccBaMMxRfjDf538cTRNwaZ.md)
**Location:** Johannesburg, South Africa
**Workplace:** hybrid
**Employment type:** Full-time
**Department:** Risk

[Apply for this job](https://jobs.workable.com/view/4d8f1774-7b56-4232-b3cd-824c22e23411)

## Description

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

In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. **FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.**To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative [video](https://www.youtube.com/watch?v=qJAvPHdpRD0).

### The role

We are hiring a **Senior Risk Analyst** to own a material credit-strategy workstream within FairMoney’s Android lending portfolio in Nigeria.

This is not a monitoring-only or reporting-only role. It is a **hands-on, P&L-impacting credit strategy and succession role**.  
  
**Please note this role is remote for talents in South Africa and other countries but hybrid for talents in Nigeria and India.  
**

**Job Responsibilities**

### Workstream economics and planning

-   Own the end-to-end performance of your assigned Android workstream
-   Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan
-   Own the relevant workstream assumptions, monthly forecast and corrective actions
-   Review budget-versus-actual performance and explain material variances
-   Manage the relevant 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

Depending on your mandate, you may design and improve:

-   Eligibility, requalification and rejected-customer re-entry
-   PD cut-offs and calibration
-   Offers, exposure limits, pricing and tenure
-   DTI, affordability and income-source treatment
-   Top-Up and Consolidation eligibility
-   Repeat-customer growth and customer-lifecycle strategy
-   High-risk treatments and 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 needed
-   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 strategies after release and take corrective action where performance differs from expectation
-   Maintain clear documentation, policy versioning and decision traceability

### Cross-functional delivery and governance

You will work closely with the Android portfolio leadership team, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service.

-   Write clear analytical and implementation briefs
-   Define owners, milestones and expected economic impact
-   Manage dependencies actively and escalate blockers with options
-   Operate within agreed risk appetite, budgets and delegated authority
-   Scale, pause, modify or roll back controlled strategies within your mandate
-   Escalate decisions outside authority or with material legal, regulatory or customer-conduct implications

### Senior individual-contributor leadership and succession

-   Be the recognised owner of your assigned workstream
-   Set its roadmap, forecast, scorecard and operating cadence
-   Review peer analysis and improve analytical and implementation standards
-   Mentor other analysts where required
-   Document critical policy, model and decision-engine knowledge
-   Reduce key-person dependency
-   Represent your workstream in senior forums
-   Deputise for the Lead Risk Manager, Portfolio Owner or designated workstream lead when required
-   Build the judgement and breadth required to progress into broader portfolio ownership

## Requirements

-   4–7+ years 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
-   Ability to work independently in a fast-moving and ambiguous environment

## Benefits

-   25 days paid vacation, Sick & Public Holidays to B2B contractors.
-   Remote (timezone must have significant overlap with CET).
-   Training & Development budget.
-   Paid company business trips

**Recruitment Process**

-   A screening interview with one of the members of the Talent Acquisition team.
-   Business Case Study
-   Technical interview with Global Head of Android Lending
-   Final Interview with Chief Credit Officer