FairMoney
Finance / FinServ
LeadRiskManager-(iOSportfolio)
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“Lead Risk Manager - (iOS portfolio) at FairMoney. Skills: GP & ECL Ownership, Credit Policy Leadership, Portfolio Scaling & Experimentation, Unit Economics & PV Mastery, End-to-End Credit Product Ownership, Team Leadership & Analytical Excellence. Own portfolio level GP and ECL performance. Maintain ECL/Revenue within risk appetite”
What You'll Achieve.
Portfolio scaled profitably; ECL/Revenue within risk appetite; Positive portfolio NPV under stress assumptions; experimentation culture embedded; Clear policy governance framework; iOS portfolio positioned for multi-market scaling
Industry & Context.
Quantify impact across FPD, roll rates, NPL, ECL, NPV and GP uplift; Ensure statistical validity and bias control; Measure impact beyond FPD — full unit economics view
Remote (timezone must have কাশি overlap with CET)
What They're Looking For.
Must Have
6–10+ years in consumer credit risk, exposure to African lending markets, Proven ownership of GP and ECL, Experience scaling digital portfolios, Advanced knowledge of PD / LGD / EAD frameworks, roll rate modelling, IFRS 9 concepts, NPV modelling and price optimization, SQL and analytical tooling comfort, Deep A experimentation experience
Nice to Have
Nigeria preferred
What You'll Do.
Own portfolio level GP and ECL performance
Maintain ECL/Revenue within risk appetite
pricing and tenure strategy
Build and manage loan-level and user-level NPV frameworks
Ensure scaling decisions improve long-term portfolio PV
Design and implement credit policy changes
Define clear hypotheses before rollout
Quantify impact across FPD
Present before/after impact analysis
Ensure policy governance and documentation standards
Design and execute A and multivariate tests
Ensure statistical validity and bias control
Measure impact beyond FPD — full unit economics view
Scale winning strategies quickly
Terminate underperforming experiments fast
Deeply understand loan level NPV
lifetime value modelling and risk adjusted CAC impact
Acquisition risk filters
Limit assignment logic
Collections alignment
Model strategy alignment
Lead and build a high-performance risk/analytics team
Set weekly performance rhythms
Ensure dashboards are decision-grade
Review analysis rigorously
Maintain data governance
How You'll Work.
Team & Collaboration
Lead and build a high-performance risk/analytics team; Set weekly performance rhythms; Ensure dashboards are decision-grade; Review analysis rigorously
Communication Scope
Present before/after impact analysis
Process & Methodology
Design and execute A and multivariate tests, Scale winning strategies quickly, Terminate underperforming experiments fast
Full Job 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 talent 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 informative [video](https://www.youtube.com/watch?v=qJAvPHdpRD0). **Role Overview** We are hiring a Lead Risk Manager to own and scale our iOS (Apple) lending portfolio in Nigeria. You will own gross profit, expected credit loss, risk adjusted unite economics, portfolio scaling decisions and credit policy direction. You also be responsible for lead policy, experimentation, analytics, and performance — and be accountable for portfolio outcomes end-to-end. **Key Responsibilities** **GP & ECL Ownership** * Own portfolio level GP and ECL performance. * Maintain ECL/Revenue within risk appetite. * Optimise PD, LGD, exposure limits, pricing and tenure strategy * Build and manage loan-level and user-level NPV frameworks * Ensure scaling decisions improve long-term portfolio PV
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