Who We Are 

We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. 

The Role 

The Senior Risk Analyst (Portfolio Risk) is responsible for driving portfolio risk analytics, credit performance monitoring, Expected Credit Loss (ECL) modeling, impairment analysis, and value-added risk initiatives that optimize portfolio performance and profitability. 

The role partners closely with Risk, Finance, Product, Collections, and Technology teams to deliver actionable portfolio insights, automate reporting, improve decision-making, and support strategic initiatives such as Risk-Based Pricing (RBP), digitalization, and portfolio optimization. 

This role is ideal for someone with strong analytical capabilities, deep knowledge of retail lending portfolios, IFRS 9/ECL methodologies, and the ability to translate complex data into business recommendations within a fast-paced financial services environment. 

What You Will Do 

• Monitor and analyze portfolio performance across all lending products, identifying emerging risks, trends, and business opportunities. 

• Develop, automate, and maintain portfolio risk dashboards, management reports, and executive reporting. 

• Lead value-added portfolio initiatives including Risk-Based Pricing (RBP), digitalization, and portfolio optimization projects. 

• Deliver timely, accurate, and insightful reporting to support strategic and operational decision-making. 

• Own the portfolio Expected Credit Loss (ECL) and impairment analysis in accordance with IFRS 9 requirements. 

• Provide profitability analysis by evaluating impairment costs, portfolio performance, and P&L contribution across each lending product. 

• Support forecasting of credit losses, provisions, and portfolio performance under different economic scenarios. 

• Design and enhance portfolio monitoring frameworks, early warning indicators, and risk performance metrics. 

• Collaborate with Data, Finance, Product, Collections, and Technology teams to improve data quality and reporting automation. 

• Build automated reporting solutions and improve data infrastructure to reduce manual processes. 

• Conduct deep-dive analyses into portfolio trends, customer behavior, segmentation, and credit performance. 

• Perform portfolio stress testing, sensitivity analysis, and scenario modeling. 

• Support regulatory reporting, internal audits, and governance requirements relating to portfolio risk. 

• Recommend risk policy enhancements based on portfolio performance and analytical findings. 

• Maintain documentation for portfolio methodologies, reporting processes, and analytical models. 

• Drive continuous improvement initiatives across portfolio analytics and reporting capabilities. 

Requirements

What You Bring 

Educational Qualification 

• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Accounting, Computer Science, Engineering, or a related quantitative discipline. 

• Master's degree is an added advantage. 

Professional Certifications 

• FRM (Financial Risk Manager) – preferred. 

• CFA (Chartered Financial Analyst) – an advantage. 

• ACCA, ACA, or equivalent accounting qualification is beneficial. 

• IFRS 9 or Credit Risk certifications are an added advantage. 

• Microsoft Power BI, SQL, Python, SAS, or Data Analytics certifications are desirable. 

Experience 

• Minimum of 5–7 years of experience in Portfolio Risk, Credit Risk Analytics, Risk Modelling, or Financial Risk. 

• Experience within banking, fintech, consumer lending, digital lending, or financial services. 

• Demonstrated experience with IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio monitoring. 

• Experience building automated reporting and portfolio dashboards. 

• Experience supporting senior management with portfolio performance insights and strategic recommendations. 

Professional Competencies 

• Strong knowledge of portfolio risk management principles and retail lending products. 

• Deep understanding of IFRS 9, ECL methodologies, impairment calculations, and provisioning. 

• Strong analytical skills with experience interpreting large datasets and translating insights into business actions. 

• Advanced proficiency in SQL, Excel, Power BI, Tableau, Python, SAS, R, or similar analytical tools. 

• Strong understanding of P&L drivers, portfolio profitability, and financial performance analysis. 

• Experience designing portfolio monitoring frameworks and early warning indicators. 

• Ability to automate reporting processes and improve reporting efficiency. 

• Strong knowledge of credit risk metrics including PAR, Roll Rates, Vintage Analysis, Loss Rates, Recoveries, and Collections performance. 

• Excellent presentation, communication, and stakeholder management skills. 

• Strong attention to detail with the ability to influence strategic decision-making through data. 

• Ability to manage multiple priorities within a fast-paced environment. 

This Role Is Ideal For You If: 

• You enjoy transforming complex portfolio data into strategic business insights. 

• You are passionate about credit risk analytics, portfolio optimization, and automation. 

• You enjoy improving reporting efficiency through digitalization and data-driven solutions. 

• You thrive in solving complex business problems using analytics. 

• You enjoy collaborating across Risk, Finance, Technology, and Product teams. 

• You want to influence credit strategy and portfolio performance at scale. 

You May Not Enjoy This Role If: 

• You prefer operational roles over analytical and strategic work. 

• You are uncomfortable working with large datasets and complex financial models. 

• You dislike automation, reporting, or continuous process improvement. 

• You prefer highly repetitive work with limited opportunities for innovation. 

• You are not interested in financial performance, impairment, or portfolio optimization. 

Benefits

What's In It For You 

• Opportunity to shape portfolio strategy within a leading fintech organization. 

• Direct ownership of portfolio analytics, IFRS 9 reporting, and risk insights that influence executive decision-making. 

• Exposure to large-scale digital transformation, Risk-Based Pricing (RBP), and advanced analytics initiatives. 

• Opportunity to collaborate with Risk, Finance, Product, Data, Engineering, and Executive Leadership teams. 

• Continuous learning, professional certification sponsorship, and career development opportunities. 

• Competitive compensation and the opportunity to solve complex, high-impact credit risk challenges.