{"id":137658,"url":"https://alion.io/job/fairmoney-senior-risk-analyst-android-lending","title":"Senior Risk Analyst - Android Lending","company":{"id":5195,"name":"FairMoney","domain":"fairmoney.io","url":"https://alion.io/company/fairmoney","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":null},"role":"Mobile","role_family":"Mobile","seniority":"senior","employment_type":"full_time","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":{"label":"CET","utc_offset_min":1,"utc_offset_max":1},"hiring_geo_confidence":"inferred","locations":["Bengaluru, India","Lagos, Nigeria","Delhi, India","Johannesburg, South Africa","Cape Town, South Africa"],"countries":["IN","NG","ZA"],"hiring_countries":["IN","NG","ZA"],"hiring_countries_total":3,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-13T16:31:20Z","employer_posted_date":"2026-10-13","last_verified_at":"2026-11-02T09:48:41Z","board_verified":true,"closed_at":null,"days_open":19,"trust":{"level":"ok","repost_count":1,"flags":[],"days_open":19},"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.\nIn 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.\nThe role\nWe are hiring a Senior Risk Analyst to own a material credit-strategy workstream within FairMoney’s Android lending portfolio in Nigeria.\nThis is not a monitoring-only or reporting-only role. It is a hands-on, P&L-impacting credit strategy and succession role.\nJob Responsibilities\nWorkstream economics and planning\nOwn the end-to-end performance of your assigned Android workstream\nBuild a prioritised strategy and delivery roadmap aligned to the Android annual business plan\nOwn the relevant workstream assumptions, monthly forecast and corrective actions\nReview budget-versus-actual performance and explain material variances\nManage the relevant approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability metrics\nIdentify material risk, economic leakage and profitable growth opportunities\nQuantify expected impact, implementation requirements, dependencies and downside risks\nCredit strategy and experimentation\nDepending on your mandate, you may design and improve:\nEligibility, requalification and rejected-customer re-entry\nPD cut-offs and calibration\nOffers, exposure limits, pricing and tenure\nDTI, affordability and income-source treatment\nTop-Up and Consolidation eligibility\nRepeat-customer growth and customer-lifecycle strategy\nHigh-risk treatments and policy overlays\nCustomer routing and graduation logic\nProduction implementation and controls\nTranslate recommendations into decision-engine rules, parameters and implementation requirements\nWork directly with SQL, analytical code and decision logic where needed\nDefine replay, back-testing, validation and testing requirements\nReview implementation logic for unintended policy or model interactions\nDefine staged rollout, monitoring and rollback plans\nMonitor strategies after release and take corrective action where performance differs from expectation\nMaintain clear documentation, policy versioning and decision traceability\nCross-functional delivery and governance\nYou 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.\nWrite clear analytical and implementation briefs\nDefine owners, milestones and expected economic impact\nManage dependencies actively and escalate blockers with options\nOperate within agreed risk appetite, budgets and delegated authority\nScale, pause, modify or roll back controlled strategies within your mandate\nEscalate decisions outside authority or with material legal, regulatory or customer-conduct implications\nSenior individual-contributor leadership and succession\nBe the recognised owner of your assigned workstream\nSet its roadmap, forecast, scorecard and operating cadence\nReview peer analysis and improve analytical and implementation standards\nMentor other analysts where required\nDocument critical policy, model and decision-engine knowledge\nReduce key-person dependency\nRepresent your workstream in senior forums\nDeputise for the Lead Risk Manager, Portfolio Owner or designated workstream lead when required\nBuild the judgement and breadth required to progress into broader portfolio ownership\nRequirements\n4-7+ years in consumer credit risk, credit strategy, lending analytics or portfolio management\nStrong experience in digital unsecured lending, consumer finance, credit cards, overdrafts, BNPL or a related environment\nEvidence of owning a material credit-strategy workstream through analysis, implementation and monitoring\nStrong understanding of PD, LGD, EAD, vintages, roll rates, FPD, PAR, NPL, ECL, pricing, offers, tenure, exposure and NPV\nStrong SQL capability and comfort with Python, R or equivalent analytical tooling\nExperience translating credit strategy into decision-engine requirements or production rules\nStrong written and verbal communication\nAbility to work independently in a fast-moving and ambiguous environment\nBenefits\n25 days paid vacation, Sick & Public Holidays to B2B contractors.\nRemote (timezone must have significant overlap with CET).\nTraining & Development budget.\nPaid company business trips\nRecruitment Process\nA screening interview with one of the members of the Talent Acquisition team.\nBusiness Case Study \nTechnical interview with Global Head of Android Lending\nFinal Interview with Chief Credit Officer","description_format":"text","description_chars":5635,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Growth opportunities"],"hiring_locations":[{"name":"India","iso":"IN","kind":"country"},{"name":"Nigeria","iso":"NG","kind":"country"},{"name":"South Africa","iso":"ZA","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Digital Banks & Neobanks","Consumer Loans & 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