Senior Risk Analyst - Android Lending

Overview

This role is responsible for owning a material credit-strategy workstream within the organization’s Android lending portfolio in Nigeria. It is a hands-on position that directly impacts P&L through credit strategy ownership, experimentation, and implementation.

Responsibilities

Workstream economics and planning

• Own end-to-end performance for the assigned Android workstream.
• Build a prioritized strategy and delivery roadmap aligned to the Android annual business plan.
• Own relevant workstream assumptions, monthly forecasts, and corrective actions.
• Review budget versus actual performance and explain material variances.
• Manage workstream 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 mandate, 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.

Additional execution responsibilities include:

• Translate recommendations into decision-engine rules, parameters, and implementation requirements.
• Work directly with SQL, analytical code, and decision logic when 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 post-release and take corrective action when performance differs from expectation.
• Maintain clear documentation, policy versioning, and decision traceability.

Cross-functional delivery and governance

• Partner with Android portfolio leadership and teams across 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 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 recognized owner of the assigned workstream.
• Set the workstream roadmap, forecast, scorecard, and operating cadence.
• Review peer analysis and improve analytical and implementation standards.
• Mentor other analysts when required.
• Document critical policy, model, and decision-engine knowledge.
• Reduce key-person dependency.
• Represent the workstream in senior forums.
• Deputize 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.

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 (Android lending portfolio).