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Renmoney

Fintech offering loans, savings, and investments

Senior Risk Analyst - Portfolio Risk

Risk ManagementConfirmed live in the last 24 hours
Full-timeLagos, NigeriaNo salary listedIn-person

About the Job

Requirements

  • A bachelor's degree in Statistics, Mathematics, Economics, Finance, Accounting, Computer Science, Engineering, or a related quantitative discipline is required.
  • A minimum of 5–7 years of experience in Portfolio Risk, Credit Risk Analytics, Risk Modelling, or Financial Risk is required.
  • Experience within banking, fintech, consumer lending, digital lending, or financial services is required.
  • Demonstrated experience with IFRS 9, Expected Credit Loss, impairment analysis, and portfolio monitoring is required.
  • Experience building automated reporting and portfolio dashboards is required.
  • Experience supporting senior management with portfolio performance insights and strategic recommendations is required.
  • Strong knowledge of portfolio risk management principles and retail lending products is required.
  • A deep understanding of IFRS 9, Expected Credit Loss methodologies, impairment calculations, and provisioning is required.
  • Strong analytical skills, including interpreting large datasets and translating insights into business actions, are required.
  • Advanced proficiency in SQL, Excel, Power BI, Tableau, Python, SAS, R, or similar analytical tools is required.
  • A strong understanding of profit-and-loss drivers, portfolio profitability, and financial performance analysis is required.
  • Experience designing portfolio monitoring frameworks and early warning indicators is required.
  • The ability to automate reporting processes and improve reporting efficiency is required.
  • Strong knowledge of credit risk metrics, including portfolio-at-risk, roll rates, vintage analysis, loss rates, recoveries, and collections performance, is required.
  • Strong presentation, communication, and stakeholder management skills are required.
  • Strong attention to detail and the ability to influence strategic decision-making through data are required.
  • The ability to manage multiple priorities in a fast-paced environment is required.

Responsibilities

  • Monitor and analyze portfolio performance across lending products to identify 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, digitalization, and portfolio optimization projects.
  • Deliver timely, accurate, and insightful reporting to support strategic and operational decision-making.
  • Own portfolio Expected Credit Loss and impairment analysis in accordance with IFRS 9 requirements.
  • Evaluate impairment costs, portfolio performance, and profit-and-loss contribution across each lending product to provide profitability analysis.
  • 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 in-depth analyses of 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.

Desired Qualifications

  • A master's degree is an added advantage.
  • Financial Risk Manager certification is preferred.
  • Chartered Financial Analyst certification is 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.

About the Company

Renmoney

Fintech offering loans, savings, and investments

Renmoney provides personal and business financial products, including loans, savings, and investments, designed to be simple, useful, and accessible. It uses data-driven insights to understand customers and tailor offerings to individual needs, enabling convenient loans to help people do more today, savings plans to stay on track with goals, and investments to grow money over time. The company differentiates itself by focusing on making finance easy and available to a broad audience, rather than restricting access, and by combining a flexible hybrid work model with customer-centric product design. Its goal is to help people manage money more effectively and reach their financial objectives.

Company size
501-1,000
Company stage
Not listed
Total funding
Not listed
Headquarters
Lagos, Nigeria
Founded
2012

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