# Portfolio Analyst Consumer Lending

> FairMoney · Lagos, Nigeria (Hybrid) · Full-time · Posted 2026-09-21

**Workplace:** hybrid

**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 talents 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 an informative [video](https://www.youtube.com/watch?v=qJAvPHdpRD0).

**Role purpose**

The Portfolio Analyst will provide dedicated portfolio analytics for the Consumer Lending Risk team, enabling timely visibility into portfolio performance, early identification of emerging risks, and data-driven credit and portfolio decisions as the business scales.

  
**Key Responsibilities:**

-   Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
-   Analyse portfolio vintages and key risk metrics, including first payment default, early delinquency, PAR and DPD, rollm rates, cure rates, defaults, recoveries and credit loss trends.
-   Perform segmentation analysis by risk grade, customer profile, product, loan amount, tenor, pricing, acquisition channel and other relevant dimensions.
-   Monitor the end-to-end lending funnel and identify the drivers of approval, conversion, utilisation and portfolio performance.
-   Build, automate and maintain Tableau dashboards for Risk, management and other relevant stakeholders.
-   Assess the impact of changes to credit rules, limits, pricing, underwriting and product strategies through cohort, vintage and policy-impact analysis.
-   Identify emerging portfolio risks, investigate root causes and recommend appropriate actions or areas for intervention.
-   Track collections performance and collaborate with Collections to understand delinquency movements, treatment effectiveness and recovery outcomes.
-   Support portfolio forecasting, risk appetite monitoring, performance reviews and periodic management and credit reporting.
-   Partner with Product, Data and BI, Engineering, Underwriting and Collections to improve data availability, quality and reporting.

**Key Performance Indicators:**

-   Timeliness, accuracy and reliability of portfolio dashboards and reports.
-   Speed of identification and escalation of emerging portfolio risks.
-   Coverage and automation of recurring portfolio reporting.
-   Quality and actionability of insights and recommendations.
-   Turnaround time for priority portfolio analyses.
-   Consistency of metric definitions and reconciliation with source data.

## Requirements

-   Bachelor's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline.
-   At least 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics.
-   Demonstrated experience analysing loan portfolio performance and the lending lifecycle from application and underwriting through repayment, delinquency, and collections.
-   Hands-on experience building and maintaining Tableau dashboards.
-   Experience analysing credit bureau data and affordability, income or salary-verification signals is an advantage.
-   Strong SQL and data-analysis skills; proficiency in Excel is required.
-   Experience with Python or another analytical language is an advantage.

**Knowledge and capabilities**

-   Strong understanding of consumer credit risk, portfolio monitoring and lending economics.
-   Working knowledge of vintage analysis, PAR and DPD, roll rates, cure rates, defaults, recoveries and loss trends.
-   Ability to interrogate large datasets, validate results and translate findings into clear business actions.
-   Strong problem-solving skills, attention to detail and sound commercial judgement.
-   Ability to communicate analytical findings clearly to technical and non-technical stakeholders.
-   Ability to manage priorities independently in a fast-paced, cross-functional environment.

## Benefits

-   Private Health Insurance.
-   Performance Bonus.
-   Pension Plan.
-   Training & Development.

**Recruitment Process:**

-   A screening call with a member of the recruitment team for 30 minutes.
-   Technical interview with the hiring manager for 30 to 60 minutes.

## Apply

[Apply at FairMoney](https://apply.workable.com/fairmoney/j/780F729E44/apply)

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