Portfolio Analyst

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 Himalayas