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Portfolio Analyst

6 months, 4 weeks ago
Russia, Serbia, Georgia, Kazakhstan
Contract
Mid Level
Financial Analyst
Data Science and Analytics
Machine Learning NumPy Pandas Python Scikit-learn SQL
Apply Now
Renmoney

Renmoney

Renmoney is a leading fintech company in Nigeria that offers personal and business loans, savings, investment products, and other banking services. They believe in making finance simple, useful, and accessible to everyone by leveraging data-driven insi...

Banks
251-1K
Founded 2012
View All Jobs 6

Description

  • Analyze and monitor key portfolio metrics (FPD, PD, LGD, NPL, Surplus) to inform decisions.
  • Assess LTV and actively participate in product pricing and price optimization.
  • Develop customer segmentation strategies by risk level, product, and acquisition channel.
  • Evaluate the impact of internal initiatives on financial results and recommend adjustments.
  • Optimize portfolio structure to balance high-yield and low-risk loans.
  • Monitor risk concentration across regions, products, and borrower segments and report exposures.
  • Adjust credit policy using insights from default, early repayment, and roll-rate data.
  • Develop and improve loan origination processes to reduce risk and increase efficiency.
  • Formulate requirements for scoring models, collaborate on PD model calibration, and analyze scoring-card performance with improvement proposals.
  • Work with the Data Science team on cash flow forecasting models and related analytics.

Requirements

  • 3+ years of experience in analytics or portfolio analytics.
  • Higher education, preferably in a technical or economics-related field.
  • Strong understanding of credit risk metrics including PD, NPL, FPD, SPD, Roll Rate, and Cost of Risk (CoR).
  • Knowledge and practical application of probability theory and mathematical statistics.
  • Advanced Excel skills (advanced formulas, pivot tables).
  • Proficiency in SQL including window functions and subqueries.
  • Experience with Python at a basic level (NumPy, pandas, scikit-learn).
  • Knowledge of regulatory requirements applicable to MFIs/Banks.
  • Nice to have: experience with Big Data and BI systems and basic understanding of ML model interpretation.
  • Nice to have: knowledge of financial models and statements (NPV, DCF, P&L), experience with A/B testing, and familiarity with MFI/Banking products (microloans, credit cards, credit lines).

Benefits

  • Remote work from anywhere in the world.
  • Competitive salary with performance bonus.
  • Paid vacations and additional paid days off.
  • Personal development plan and professional growth opportunities.
  • Fast-paced, flexible work environment with access to cutting-edge tools.
  • Opportunity to shape the future of fintech in Nigeria and reach millions of customers.
  • Diverse and inclusive team where professional growth and all voices are valued.

Interested in this position?

Apply directly on the company website

Apply Now

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