Senior Risk Analyst - Android Lending

Overview

This role is responsible for a material credit-strategy workstream within a consumer Android lending portfolio in Nigeria. It is a hands-on position with direct P&L impact—focused on credit strategy ownership, implementation, monitoring, and succession planning.

Responsibilities

Workstream economics and planning

• Own the end-to-end performance of the assigned Android workstream
• Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan
• Own workstream assumptions, monthly forecast, and corrective actions
• Review budget-versus-actual performance and explain material variances
• Manage key metrics including:
  • approval, disbursal, exposure
  • revenue, risk-adjusted Gross Profit
  • ECL, FPD, roll-rate
  • PAR, NPL
  • customer-value and recoverability
• Identify material risk, economic leakage, and profitable growth opportunities
• Quantify expected impact, implementation requirements, dependencies, and downside risks

Credit strategy and experimentation

Depending on the mandate, design and improve areas such as:

• 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

Additional execution responsibilities include:

• Translate recommendations into decision-engine rules, parameters, and implementation requirements
• Work 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

• Partner with Android portfolio leadership and teams including 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 mandate
• Escalate decisions outside authority or with material legal, regulatory, or customer-conduct implications

Senior individual-contributor leadership and succession

• Serve as the recognised owner of the assigned workstream
• Set 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 to reduce key-person dependency
• Represent the workstream in senior forums
• Deputise for the Lead Risk Manager, Portfolio Owner, or designated workstream lead when required
• Build judgement and breadth 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

Preferred Qualifications

• Not specified

Compensation & Benefits

• 25 days paid vacation, Sick & Public Holidays to B2B contractors
• Training & Development budget
• Paid company business trips

Location

• Remote (timezone must have significant overlap with CET)
• Nigeria portfolio scope