{"id":915105,"url":"https://alion.io/job/renmoney-portfolio-analyst","title":"Portfolio Analyst","company":{"id":6761,"name":"Renmoney","domain":"renmoney.com","url":"https://alion.io/company/renmoney","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":{"grade":"C","score":65,"open_postings":62,"ghost_share":0.5,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":64,"computed_at":"2026-11-09T06:03:00Z"}},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"contractor","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"board_field","remote_working_hours":null,"hiring_geo_confidence":"inferred","locations":["Tbilisi, Georgia"],"countries":["GE"],"hiring_countries":["RU","KZ","RS","GE","NG"],"hiring_countries_total":5,"salary":null,"salary_estimate":{"min_usd":12500,"max_usd":26000,"period":"year","method":"role_country_seniority_unknown","sample_n":2998},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"NumPy","optional":false},{"name":"Python","optional":false},{"name":"Scikit-learn","optional":false},{"name":"SQL","optional":false},{"name":"A/B Testing","optional":true}],"status":"live","first_seen_at":"2026-09-14T00:00:00Z","employer_posted_date":"2026-09-14","last_verified_at":"2026-11-09T08:04:22Z","board_verified":true,"closed_at":null,"days_open":56,"trust":{"level":"ok","repost_count":0,"flags":["company_stale"],"days_open":56},"description":"We’re looking for a Portfolio Analyst to help us scale and optimize our credit portfolio. You’ll work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions. The scope of responsibilities will include:\n\nCredit Portfolio Management:\n Analysis and monitoring of key portfolio metrics: FPD, PD, LGD, NPL, Surplus; \n LTV assessment and active participation in product pricing; \n Development of customer segmentation strategies (e.g., by risk levels, products, acquisition channels); \n Assessment of the impact of internal initiatives on financial results; \n Optimization of the portfolio structure (balancing high-yield and low-risk loans). \nRisk Management:\n Monitoring of risk concentration (e.g., by regions, products, borrower segments); \n Adjustment of credit policy based on default and early repayment data; \n Development and improvement of processes related to loan origination. \nCollaboration with the Data Science Team:\n Formulation of requirements for scoring models (e.g., calibration of PD models); \n Analysis of scoring card performance and proposals for their improvement; \n Work with cash flow forecasting models. \nRequirements\n 3+ years of experience in analytics or portfolio analytics; \n Higher education, preferably in a technical or economics-related field; \n Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR; \n Knowledge and practical application of probability theory and mathematical statistics; \n Proficiency with analytical tools: \n Excel (advanced formulas, pivot tables); \n SQL (window functions, subqueries); \n Experience working with Python (basic level: NumPy, pandas, scikit-learn); \n Knowledge of regulatory requirements applicable to MFIs/Banks. \nNice to Have:\n Experience with Big Data and BI systems; \n Basic understanding of ML models (interpretation of scoring results); \n Knowledge of financial models and statements (NPV, DCF, P&L); \n Experience with A/B testing; \n Knowledge of MFI/Banking products: microloans, credit cards, credit lines.\nBenefits\nRemote work from anywhere in the world\nPerformance bonus, paid vacations and day-offs, personal development plan\nPurpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary\nGrowth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools\nJoin a diverse, inclusive team where all voices are valued, and professional growth is a priority.","description_format":"text","description_chars":2565,"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":[],"hiring_locations":[{"name":"Russia","iso":"RU","kind":"country"},{"name":"Kazakhstan","iso":"KZ","kind":"country"},{"name":"Serbia","iso":"RS","kind":"country"},{"name":"Georgia","iso":"GE","kind":"country"},{"name":"Nigeria","iso":"NG","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Digital Banks & 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