Portfolio Analyst

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 talents 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 an informative video.

Role purpose

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

Key Responsibilities:

• 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, rollm 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.
• Build, automate and maintain Tableau dashboards for Risk, management and other relevant stakeholders.
• 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.
• Track collections performance and collaborate with Collections to understand delinquency movements, treatment effectiveness and recovery outcomes.