# Portfolio Analyst

> Renmoney · Russia (Remote) · Contract · Posted 2026-09-14

**Workplace:** remote

**Department:** Decision Science

## Description

We’re looking for a **Portfolio Analyst** to help us scale and optimize our credit portfolio. You’ll work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions. The scope of responsibilities will include:  
**  
Credit Portfolio Management:**

-   Analysis and monitoring of key portfolio metrics: FPD, PD, LGD, NPL, Surplus;
-   LTV assessment and active participation in product pricing;
-   Development of customer segmentation strategies (e.g., by risk levels, products, acquisition channels);
-   Assessment of the impact of internal initiatives on financial results;
-   Optimization of the portfolio structure (balancing high-yield and low-risk loans).

**Risk Management:**

-   Monitoring of risk concentration (e.g., by regions, products, borrower segments);
-   Adjustment of credit policy based on default and early repayment data;
-   Development and improvement of processes related to loan origination.

**Collaboration with the Data Science Team:**

-   Formulation of requirements for scoring models (e.g., calibration of PD models);
-   Analysis of scoring card performance and proposals for their improvement;
-   Work with cash flow forecasting models.

## Requirements

-   3+ years of experience in analytics or portfolio analytics;
-   Higher education, preferably in a technical or economics-related field;
-   Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR;
-   Knowledge and practical application of probability theory and mathematical statistics;
-   Proficiency with analytical tools:

-   Excel (advanced formulas, pivot tables);
-   SQL (window functions, subqueries);
-   Experience working with Python (basic level: NumPy, pandas, scikit-learn);

-   Knowledge of regulatory requirements applicable to MFIs/Banks.

**Nice to Have:**

-   Experience with Big Data and BI systems;
-   Basic understanding of ML models (interpretation of scoring results);
-   Knowledge of financial models and statements (NPV, DCF, P&L);
-   Experience with A/B testing;
-   Knowledge of MFI/Banking products: microloans, credit cards, credit lines.

## Benefits

-   Remote work from anywhere in the world
-   Performance bonus, paid vacations and day-offs, personal development plan
-   Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary
-   Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools
-   Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.

## Apply

[Apply at Renmoney](https://apply.workable.com/renmoney/j/406FEC29F8/apply)

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