Portfolio Analyst

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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 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. Originally posted on

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