Senior Risk Analyst - Android Lending

# Senior Risk Analyst - Android Lending > FairMoney · India (Remote) · Full-time · Posted 2026-10-13 **Workplace:** remote **Department:** Credit Risk ## 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**. **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 ## Apply [Apply at FairMoney](https://apply.workable.com/fairmoney/j/F54DB83FDA/apply) --- Powered by [Workable](https://www.workable.com)