Senior Risk Analyst - reputed company Lending

reputed company is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, reputed company currently operates primarily reputed company Nigeria, and it has secured nearly €50 reputed company in funding from reputed company global investors, including Tiger Global, DST, and reputed company Ventures.  In alignment with its reputed company, reputed company is reputed company constructing the foremost mobile banking platform and reputed company-of-sale (POS) solution tailored for emerging markets. The reputed company began with the introduction of a digital microcredit application exclusively available on reputed company and iOS devices. Today, reputed company has significantly expanded its reputed company of services, encompassing a comprehensive suite of financial products, such as reputed company accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. reputed company thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives reputed company’s mission of reshaping financial services for reputed company.To reputed company deeper insights into reputed company’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative video. The role We are hiring a Senior Risk Analyst to own a material credit-reputed company reputed company reputed company reputed company’s reputed company lending portfolio in Nigeria. This is not a monitoring-only or reporting-only role. It is a hands-on, P&L-impacting credit reputed company and succession role. Job Responsibilities 1. reputed company economics and planning Own the end-to-end performance of your assigned reputed company reputed company Build a prioritised reputed company and delivery roadmap reputed company to the reputed company annual business plan Own the relevant reputed company assumptions, monthly forecast and corrective actions Review budget-versus-actual performance and explain material variances Manage the relevant approval, disbursal, exposure, reputed company, risk-adjusted Gross Profit, ECL, FPD, roll-reputed company, PAR, NPL, customer-value and recoverability metrics Identify material risk, economic leakage and profitable reputed company opportunities Quantify expected reputed company, implementation requirements, dependencies and downside risks 2. Credit reputed company 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-reputed company treatment Top-Up and Consolidation eligibility Repeat-customer reputed company and customer-lifecycle reputed company High-risk treatments and policy overlays Customer routing and graduation logic 3. Production implementation and controls Translate recommendations into decision-reputed company rules, parameters and implementation requirements Work directly with SQL, analytical reputed company 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 reputed company where performance differs from expectation Maintain reputed company documentation, policy versioning and decision traceability 4. Cross-functional delivery and governance You will work closely with the reputed company portfolio leadership team, Decision Science, Engineering, Product, reputed company, Finance, Portfolio Economics, Collections, Fraud, Compliance, reputed company, Operations and Customer Service. Write reputed company analytical and implementation briefs Define owners, milestones and expected economic reputed company Manage dependencies reputed company and escalate blockers with reputed company Operate reputed company agreed risk appetite, budgets and delegated authority reputed company, pause, modify or roll back controlled strategies reputed company your mandate Escalate reputed company reputed company authority or with material reputed company, regulatory or customer-conduct implications 5. Senior individual-contributor leadership and succession Be the recognised reputed company of your assigned reputed company Set its roadmap, forecast, scorecard and operating reputed company Review peer analysis and improve analytical and implementation standards Mentor other analysts where required Document critical policy, model and decision-reputed company knowledge Reduce key-person dependency Represent your reputed company in senior forums Deputise for the reputed company Risk Manager, Portfolio reputed company or designated reputed company reputed company reputed company required Build the judgement and breadth required to reputed company into broader portfolio ownership Requirements 1. reputed company economics and planning Own the end-to-end performance of your assigned reputed company reputed company Build a prioritised reputed company and delivery roadmap reputed company to the reputed company annual business plan Own the relevant reputed company assumptions, monthly forecast and corrective actions Review budget-versus-actual performance and explain material variances Manage the relevant approval, disbursal, exposure, reputed company, risk-adjusted Gross Profit, ECL, FPD, roll-reputed company, PAR, NPL, customer-value and recoverability metrics Identify material risk, economic leakage and profitable reputed company opportunities Quantify expected reputed company, implementation requirements, dependencies and downside risks For this role, economic profit means reputed company less Expected Credit Loss, funding costs, customer-acquisition costs, fraud losses, servicing and collections costs, and any agreed reputed company operating or capital/liquidity charges. 2. Credit reputed company 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-reputed company treatment Top-Up and Consolidation eligibility Repeat-customer reputed company and customer-lifecycle reputed company High-risk treatments and policy overlays Customer routing and graduation logic You will conduct rigorous cohort, vintage, funnel and reputed company analysis; distinguish genuine credit movements from data or operational noise; and design controlled experiments with reputed company controls, maturity reputed company and rollback conditions. Your reputed company must be a reputed company reputed company, hold, iterate or stop recommendation—not only a dashboard or analytical finding. 3. Production implementation and controls Translate recommendations into decision-reputed company rules, parameters and implementation requirements Work directly with SQL, analytical reputed company 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 reputed company where performance differs from expectation Maintain reputed company documentation, policy versioning and decision traceability You do not need to be a software engineer, but you must understand how credit reputed company reaches production and reputed company delivery through to reputed company reputed company. 4. Cross-functional delivery and governance You will work closely with the reputed company portfolio leadership team, Decision Science, Engineering, Product, reputed company, Finance, Portfolio Economics, Collections, Fraud, Compliance, reputed company, Operations and Customer Service. You will: Write reputed company analytical and implementation briefs Define owners, milestones and expected economic reputed company Manage dependencies reputed company and escalate blockers with reputed company Operate reputed company agreed risk appetite, budgets and delegated authority reputed company, pause, modify or roll back controlled strategies reputed company your mandate Escalate reputed company reputed company authority or with material reputed company, regulatory or customer-conduct implications 5. Senior individual-contributor leadership and succession Be the recognised reputed company of your assigned reputed company Set its roadmap, forecast, scorecard and operating reputed company Review peer analysis and improve analytical and implementation standards Mentor other analysts where required Document critical policy, model and decision-reputed company knowledge Reduce key-person dependency Represent your reputed company in senior forums Deputise for the reputed company Risk Manager, Portfolio reputed company or designated reputed company reputed company reputed company required Build the judgement and breadth required to reputed company into broader portfolio ownership Benefits 25 days reputed company vacation, reputed company & reputed company Holidays to B2B contractors. Remote (timezone must have significant overlap with CET). Training & Development budget. reputed company company business trips Recruitment Process A screening interview with one of the members of the reputed company. Business Case Study Technical interview with Global Head of reputed company Lending Final Interview with Chief Credit Officer Apply To This Job