Portfolio Analyst Consumer Lending
FairMoney · Consumer Lending Risk team
- Financial Analyst
- Lagos
- Full-time
- 3+ years
At a glance
About the company
FairMoney describes itself as a mobile bank for emerging markets. Founded in 2017, it operates mainly in Nigeria, where it began with a microcredit app and now offers current and savings accounts, debit cards and POS terminals for merchants and agents.
Description
You give the Consumer Lending Risk team its own portfolio analytics, so new risks show up early as lending grows. You will:
- Track applications, approvals, disbursements, repayments, delinquency, collections and recoveries
- Analyse vintages and risk metrics such as first payment default, PAR, DPD, roll rates, cure rates and losses
- Break performance down by risk grade, customer type, product, loan size, tenor, price and channel
- Build, automate and maintain Tableau dashboards for Risk and management
- Measure how changes to credit rules, limits, pricing or underwriting affect the loan book
- Work with Collections, Product and Data teams on better data and reports, and support forecasts and credit reporting
Qualifications & Skills
Must have 6
- A bachelor's degree in finance, economics, statistics, mathematics, computer science, engineering or similar
- 3+ years in consumer lending, fintech, retail credit, portfolio risk or credit analytics
- Hands-on analysis of loan portfolios across the full lending cycle
- Experience building and maintaining Tableau dashboards
- Strong SQL, and Excel
- Working knowledge of vintage analysis, PAR, DPD, roll rates and cure rates
Nice to have 2
- Python or another analysis language
- Analysis of credit bureau data and income or affordability signals
How to stand out for this job
Written by our team from the employer's post. Work through it in order, then apply.
1What they actually want
Our plain-words read of this job. It explains the job, not the employer's own words.
FairMoney lends to Nigerians through its app, and this job keeps a close eye on that consumer loan book. Each week you will follow loans from application to recovery, track delinquency and losses by vintage, and break performance down by risk grade, product and channel to see where trouble is starting. Your Tableau dashboards are what the Risk team and management look at, so they must be accurate, on time and automated. When the team changes a credit rule, limit or price, you measure what it did to the portfolio.
They want three or more years in consumer lending or credit analytics, with real portfolio work across the whole lending cycle. Tableau, SQL and Excel are required, and Python is a plus. You must be at home with PAR, DPD, roll rates and vintage curves, and able to explain what they mean in plain business terms. To stand out, show a dashboard you built, one early warning you raised from it, and the action the business took because of it.
2Words to use in your CV
Use the words that are true for you. The dark ones matter most for this job.
- portfolio analytics
- consumer lending
- credit risk
- vintage analysis
- PAR
- DPD
- roll rates
- cure rates
- first payment default
- Tableau
- SQL
- Excel
- segmentation
- collections
- policy-impact analysis
- credit bureau data
4Tailor your portfolio
Make a copy of your portfolio for this job and lead with these three projects. Give the problem, the data, the tools and the result as a number.
- 01
A vintage and roll-rate dashboard
Loans by month of issue, with delinquency buckets and roll rates, built on a public loan data set.
- 02
A policy-impact study
A before-and-after analysis of a made-up change to a credit rule, showing approvals, defaults and revenue.
- 03
A segmentation deep dive
Defaults broken down by loan size, tenor and channel, ending with two clear recommendations.
3Tailor your CV
- Headline“Portfolio Analyst | Consumer Lending, Tableau, SQL”
- Lead with the loan bookSay how big the portfolio was and which risk metrics you tracked.
- Show an early warningGive one risk you spotted early, how you spotted it, and what the business did next.
- Show your dashboardsName the Tableau dashboards you built, who used them and how often they refreshed.
- Show policy impactMention a rule, limit or pricing change you measured, with the before and after.
BeforePrepared monthly loan performance reports.
AfterBuilt an automated Tableau dashboard for a 500,000-loan portfolio that flagged a rise in first payment default two weeks before month-end.
Example only. Use your own real numbers.
5Learn the missing skill
SQL and Python for Data Analysis
Live cohort · Starts 4 Nov 2026
₦200,000 or 4 × ₦50,000
6Before you apply
Apply on FairMoney's careers page
You'll leave Exalda. Your application goes straight to the employer, and we never charge you to apply.
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