Portfolio Analyst

Job description

We’re looking for a Portfolio Analyst to help us scale and optimize our credit portfolio. You’ll work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions. The scope of responsibilities will include:

Credit Portfolio Management: - Analysis and monitoring of key portfolio metrics: FPD, PD, LGD, NPL, Surplus; - LTV assessment and active participation in product pricing; - Development of customer segmentation strategies (e.g., by risk levels, products, acquisition channels); - Assessment of the impact of internal initiatives on financial results; - Optimization of the portfolio structure (balancing high-yield and low-risk loans).

Risk Management: - Monitoring of risk concentration (e.g., by regions, products, borrower segments); - Adjustment of credit policy based on default and early repayment data; - Development and improvement of processes related to loan origination.

Collaboration with the Data Science Team: - Formulation of requirements for scoring models (e.g., calibration of PD models); - Analysis of scoring card performance and proposals for their improvement; - Work with cash flow forecasting models.

Requirements - 3+ years of experience in analytics or portfolio analytics; - Higher education, preferably in a technical or economics-related field; - Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR; - Knowledge and practical application of probability theory and mathematical statistics; - Proficiency with analytical tools: - Excel (advanced formulas, pivot tables); - SQL (window functions, subqueries); - Experience working with Python (basic level: NumPy, pandas, scikit-learn); - Knowledge of regulatory requirements applicable to MFIs/Banks.

Nice to Have: - Experience with Big Data and BI systems; - Basic understanding of ML models (interpretation of scoring results); - Knowledge of financial models and statements (NPV, DCF, P&L); - Experience with A/B testing; - Knowledge of MFI/Banking products: microloans, credit cards, credit lines.

Benefits - Remote work from anywhere in the world - Performance bonus, paid vacations and day-offs, personal development plan - Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary - Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools - Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.