FairMoney
FairMoney
201 – 500 Employees
B2CBankingFintech
FairMoney is a fintech company building mobile banking services for internet users around the world. Its platform serves more than 5 million users in Nigeria with personal and business loans, savings products such as FairSave and FairLock, bill payments, and card services. The company’s focus is on making everyday financial tools more accessible while helping customers manage personal finances and support their businesses. FairMoney’s team operates in the fintech, banking, and consumer-focused financial services space, with its products designed for a broad and growing digital customer base.

Business Intelligence Analyst – Lending and Credit (Hybrid)

Analyze lending, credit, collections, and product data for FairMoney’s mobile banking platform. Build dashboards, automate reporting, and deliver insights that strengthen portfolio performance in emerging markets.

Description

  • Analyze data across the full lending lifecycle, from acquisition and underwriting through disbursement, repayment, collections, and recovery.
  • Identify portfolio trends, risks, and improvement opportunities.
  • Provide actionable analysis to Credit, Operations, Product, and Leadership teams.
  • Build and maintain real-time dashboards for PAR, NPLs, recovery rates, and disbursement volumes.
  • Automate daily, weekly, and monthly performance reporting.
  • Maintain accurate, consistent, and accessible data for cross-functional teams.
  • Support the development and monitoring of credit-scoring models using telco, behavioral, banking, and device data.
  • Monitor portfolio health indicators such as PAR 30/90, roll rates, and default rates.
  • Use cohort analysis to assess loan performance and risk segments.
  • Analyze repayment behavior and improve collections strategies.
  • Develop borrower segments covering early-stage, late-stage, and high-risk accounts.
  • Support skip tracing and recovery improvements by analyzing data and escalation effectiveness.
  • Work with Product teams to measure user journeys, conversion funnels, and drop-off points.
  • Design and assess A/B tests focused on acquisition, engagement, and repayment outcomes.
  • Recommend improvements to pricing, loan offers, and customer targeting.
  • Collaborate with Data Engineering on pipelines, ETL processes, and warehouse design.
  • Replace manual reporting workflows with SQL, Python, or BI-tool automation.
  • Apply sound data governance and analytics practices.
  • Support reporting aligned with Central Bank of Nigeria requirements.
  • Protect the integrity of financial and risk data used for audits and regulatory submissions.
  • Measure success through reporting accuracy and timeliness, stronger portfolio performance, more efficient collections, faster dashboard-enabled decisions, and measurable experiment outcomes.
  • Within the first six months, deliver lending and collections dashboards, help reduce defaults and improve recovery, automate reporting, partner with Credit, Operations, and Product, and shape decisions through data-backed recommendations.

Requirements

  • At least five years of experience in business intelligence, data analytics, or a related role, ideally within fintech, banking, or lending.
  • Advanced SQL skills are required.
  • Experience with Python or R is preferred.
  • Experience using BI platforms such as Power BI, Tableau, or Looker.
  • Strong knowledge of lending measures including PAR, NPLs, roll rates, and recovery rates.
  • Ability to turn complex analysis into clear business recommendations.
  • Experience handling large and complex datasets.
  • Strong data analysis and analytical storytelling skills.
  • Experience creating dashboards and data visualizations.
  • Background in credit and risk analytics.
  • Experience designing or evaluating experiments and A/B tests.
  • Strong problem-solving and critical-thinking abilities.
  • Effective communication with stakeholders.

Benefits

  • Private health insurance
  • Pension plan
  • Training and professional development
  • Performance bonus

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