Lead Risk Manager & Portfolio Owner
RemoteIndia or South Africa
Job Summary
Own the commercial, economic, risk, and people outcomes for FairMoney's Android Quick Loans portfolio in Nigeria. Build the annual business plan, produce monthly forecasts, and diagnose variances to drive corrective actions. End-to-end credit strategy covers new-to-bank origination, repeat eligibility, top-ups, and high-risk segment management. Formalize affordability using bank statements and transaction behavior, then translate strategy into decision-engine rules and controlled A/B tests. Lead a senior credit-strategy team, establish portfolio rhythms, and mobilize cross-functional partners across Decision Science, Engineering, and Collections.
Required Qualifications
- 6+ years in consumer credit risk, credit strategy or lending portfolio management
- Proven ownership of a material lending portfolio or product line, including revenue, GLB, risk and profitability
- Experience building annual business plans, monthly forecasts and corrective action plans
- Strong digital unsecured-lending experience
- Nigerian or broader African-market experience
- Advanced understanding of PD, LGD, EAD, vintages, roll rates, IFRS 9/ECL, pricing, offers, tenure, exposure, affordability and NPV
- Strong SQL capability
- Comfort with Python or equivalent analytical tooling
- Experience translating credit strategy into decision-engine rules and controlled production changes
- Evidence of building senior teams, developing successors and leading complex cross-functional delivery
- Strong executive communication
- The confidence to challenge decisions with evidence
Desired Qualifications
- Nigerian or broader African-market experience is strongly preferred
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