- Location
- Lagos, Lagos, Nigeria · published
- Type
- Full-time
- Department
- Management
- Seniority
- Senior
- Source
- Workable
Description
Who We Are
We're a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience.
The Role
The Senior Risk Analyst (Portfolio Risk) is responsible for driving portfolio risk analytics, credit performance monitoring, Expected Credit Loss (ECL) modeling, impairment analysis, and value-added risk initiatives that optimize portfolio performance and profitability.
The role partners closely with Risk, Finance, Product, Collections, and Technology teams to deliver actionable portfolio insights, automate reporting, improve decision-making, and support strategic initiatives such as Risk-Based Pricing (RBP), digitalization, and portfolio optimization.
This role is ideal for someone with strong analytical capabilities, deep knowledge of retail lending portfolios, IFRS 9/ECL methodologies, and the ability to translate complex data into business recommendations within a fast-paced financial services environment.
What You Will Do
- Monitor and analyze portfolio performance across all lending products, identifying emerging risks, trends, and business opportunities.
- Develop, automate, and maintain portfolio risk dashboards, management reports, and executive reporting.
- Lead value-added portfolio initiatives including Risk-Based Pricing (RBP), digitalization, and portfolio optimization projects.
- Deliver timely, accurate, and insightful reporting to support strategic and operational decision-making.
- Own the portfolio Expected Credit Loss (ECL) and impairment analysis in accordance with IFRS 9 requirements.
- Provide profitability analysis by evaluating impairment costs, portfolio performance, and P&L contribution across each lending product.
- Support forecasting of credit losses, provisions, and portfolio performance under different economic scenarios.
- Design and enhance portfolio monitoring frameworks, early warning indicators, and risk performance metrics.
- Collaborate with Data, Finance, Product, Collections, and Technology teams to improve data quality and reporting automation.
- Build automated reporting solutions and improve data infrastructure to reduce manual processes.
- Conduct deep-dive analyses into portfolio trends, customer behavior, segmentation, and credit performance.
- Perform portfolio stress testing, sensitivity analysis, and scenario modeling.
- Support regulatory reporting, internal audits, and governance requirements relating to portfolio risk.
- Recommend risk policy enhancements based on portfolio performance and analytical findings.
- Maintain documentation for portfolio methodologies, reporting processes, and analytical models.
- Drive continuous improvement initiatives across portfolio analytics and reporting capabilities.