Portfolio Analyst, Consumer Lending
AI summary
Fairmoney Microfinance Bank is hiring a Portfolio Analyst for its Consumer Lending Risk team in Lagos on a hybrid basis. The role focuses on portfolio analytics, risk identification, credit performance monitoring, and building dashboards to support data-driven lending decisions across the business.
- Hybrid role based in Lagos, Nigeria
- Focus on consumer lending portfolio analytics and risk monitoring
- Build and automate Tableau dashboards for risk and management reporting
- Work across product, data, engineering, underwriting, and collections teams
- Analyze vintages, delinquency, defaults, and credit loss trends
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in driver, retail, motoristaThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
- UnclearComfort with the Hybrid contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Portfolio Analyst, Consumer Lending evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Fairmoney Microfinance Bank and the role in Not specified.
- Add concrete examples related to driver, retail, motorista, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Portfolio Analyst, Consumer Lending role in driver, retail?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Fairmoney Microfinance Bank before the interview.
Ask what the first priorities will be in the role and how success will be measured.
Similar jobs to consider
Use AI to apply better
After confirming the original source, use Career Assistant to check role fit, tailor your CV and prepare a cover letter or employer message.
Original source description
Job Title: Portfolio Analyst, Consumer Lending
Portfolio Analyst, Consumer Lending (Hybrid) at Fairmoney Microfinance Bank
⏲
Sep 21, 2026, 6:02 AM
⋕
View all Banking & Financial Services jobs
FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia.
We are recruiting to fill the position below:
Location: :
Lagos (Hybrid)
Role purpose
The Portfolio Analyst will provide dedicated portfolio analytics for the Consumer Lending Risk team, enabling timely visibility into portfolio performance, early identification of emerging risks, and data-driven credit and portfolio decisions as the business scales.
Key Responsibilities
- Identify emerging portfolio risks, investigate root causes and recommend appropriate actions or areas for intervention.
- Perform segmentation analysis by risk grade, customer profile, product, loan amount, tenor, pricing, acquisition channel and other relevant dimensions.
- Assess the impact of changes to credit rules, limits, pricing, underwriting and product strategies through cohort, vintage and policy-impact analysis.
- Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
- Support portfolio forecasting, risk appetite monitoring, performance reviews and periodic management and credit reporting.
- Partner with Product, Data and BI, Engineering, Underwriting and Collections to improve data availability, quality and reporting.
- Analyse portfolio vintages and key risk metrics, including first payment default, early delinquency, PAR and DPD, rollm rates, cure rates, defaults, recoveries and credit loss trends.
- Track collections performance and collaborate with Collections to understand delinquency movements, treatment effectiveness and recovery outcomes.
- Monitor the end-to-end lending funnel and identify the drivers of approval, conversion, utilisation and portfolio performance.
- Build, automate and maintain Tableau dashboards for Risk, management and other relevant stakeholders.
- Key Performance Indicators
- Turnaround time for priority portfolio analyses.
- Timeliness, accuracy and reliability of portfolio dashboards and reports.
- Consistency of metric definitions and reconciliation with source data.
- Speed of identification and escalation of emerging portfolio risks.
- Coverage and automation of recurring portfolio reporting.
- Quality and actionability of insights and recommendations.
Requirements
Demonstrated
Experience
analysing loan portfolio performance and the lending lifecycle from application and underwriting through repayment, delinquency, and collections.
analysing credit bureau data and affordability, income or salary-verification signals is an advantage.
with Python or another analytical language is an advantage.
Hands-on
building and maintaining Tableau dashboards.
At least 3 years of relevant
in consumer lending, fintech, retail credit, portfolio risk, or credit analytics.
Strong SQL and data-analysis skills; proficiency in Excel is required.
Bachelor's Degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline.
Knowledge and capabilities:
Ability to manage priorities independently in a fast-paced, cross-functional environment.
Strong problem-solving skills, attention to detail and sound commercial judgement.
Ability to communicate analytical findings clearly to technical and non-technical stakeholders.
Strong understanding of consumer credit risk, portfolio monitoring and lending economics.
Ability to interrogate large datasets, validate results and translate findings into clear business actions.
Working knowledge of vintage analysis, PAR and DPD, roll rates, cure rates, defaults, recoveries and loss trends.
Benefits
Pension Plan.
Performance Bonus.
Private Health Insurance.
Training & Development.
How to Apply
Interested and qualified candidates should:
Click here to apply online
View all Jobs in Nigeria