Lead Risk Manager & Portfolio Owner

About the role

FairMoney is a mobile banking company focused on extending credit in emerging markets. The Lead Risk Manager Portfolio Owner will be the day to day owner of the Android Quick Loans portfolio in Nigeria, responsible for commercial, economic, risk and people outcomes.

What you'll do

• Own Android revenue, loan book growth, risk-adjusted profitability and credit risk performance
• Build and manage the annual business plan, forecast and strategic roadmap
• Lead end to end credit strategy including pricing, eligibility, and exposure controls
• Translate strategy into decision engine rules and ensure controlled production changes
• Coordinate cross functional teams to deliver experiments, rollout, monitoring and post-implementation reviews
• Develop and lead a senior Android credit-strategy team with clear ownership and rhythms

What they're looking for

• 6+ years in consumer credit risk, credit strategy or lending portfolio management
• Experience owning a material lending portfolio including revenue, GLB, risk and profitability
• Strong digital unsecured lending experience; Nigerian or broader African market exposure preferred
• Advanced understanding of PD, LGD, EAD, IFRS 9/ECL, pricing, offers, tenure and NPV
• Strong SQL skills and comfort with Python or equivalent analytical tools
• Proven ability to translate credit strategy into production-ready decision rules and governance

For applicants in Nigeria

• The listing specifies a focus on Nigeria for the Android Quick Loans portfolio; Nigeria is likely relevant for applicants but confirm during interview.
• The timezone requirements are not stated in the listing; confirm during interview.
• The listing does not state whether the role is contractor or employee; confirm during interview.
• Pay currency or range is not provided in the listing; confirm during interview.
• Visa or work-authorization notes are not provided; confirm during interview.