Remote opportunity at
RenmoneyPortfolio Analyst
Renmoney is seeking a Portfolio Analyst to join the organization on a contract basis and help expand and refine its credit portfolio. This remote position involves…
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About This Role
Renmoney is seeking a Portfolio Analyst to join the organization on a contract basis and help expand and refine its credit portfolio. This remote position involves analyzing risk strategies, pricing models, and key performance metrics while partnering with the Product and Data Science teams to drive data-informed decisions. The person in this role will monitor credit portfolio health, evaluate customer segmentation, assess internal initiative outcomes, and track risk concentration across…
Job Description
Renmoney is seeking a Portfolio Analyst to join the organization on a contract basis and help expand and refine its credit portfolio. This remote position involves analyzing risk strategies, pricing models, and key performance metrics while partnering with the Product and Data Science teams to drive data-informed decisions. The person in this role will monitor credit portfolio health, evaluate customer segmentation, assess internal initiative outcomes, and track risk concentration across various segments and regions. This opportunity suits analytical professionals with a solid grasp of credit metrics who enjoy optimizing loan structures and credit policies. Renmoney provides products that reach millions in Nigeria, offering team members a collaborative and flexible workspace with opportunities for professional growth. Employees can work remotely from anywhere globally while contributing to fintech innovation.
Responsibilities
- Analyze and track vital credit portfolio indicators such as FPD, PD, LGD, NPL, and Surplus
- Evaluate loan-to-value figures and take part in product pricing decisions
- Design customer segmentation strategies based on acquisition channels, products, and risk categories
- Evaluate how internal projects impact overall financial outcomes
- Balance high-yield and low-risk loans to optimize the portfolio structure
- Track risk concentration levels across borrower segments, products, and geographic regions
- Modify credit policies using data on defaults and early repayments
- Build and enhance procedures associated with loan origination
- Establish specifications for scoring models, including probability of default calibration
- Evaluate scorecard effectiveness and recommend enhancements
- Utilize cash flow forecasting models
Requirements
- Minimum of three years of analytical or portfolio analytics experience
- Proficiency in advanced Excel features and pivot tables
- Ability to write SQL subqueries and window functions
- Basic proficiency in Python utilizing pandas, NumPy, and scikit-learn
- Familiarity with banking or MFI regulatory requirements
- Comprehensive grasp of credit risk metrics including PD, NPL, FPD, SPD, Roll Rate, and CoR
- Understanding and practical application of probability theory and mathematical statistics
Qualifications
- Higher education degree, with a preference for technical or economics-related disciplines
- Experience working with BI systems and Big Data
- Foundational knowledge of machine learning models and scoring result interpretation
- Familiarity with financial statements and models like P&L, DCF, and NPV
- Background in conducting A/B testing
- Familiarity with banking and MFI offerings such as microloans, credit cards, and credit lines
Core Skills
Benefits
- Remote work arrangement available from anywhere globally
- Performance-based bonus
- Paid vacation days and time off
- Personal development plan
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the remote work policy for this position?
The posting specifies that the role offers remote work from anywhere in the world.
What type of employment is this?
This position is offered on a contract basis.
What experience is required to apply?
Candidates must have three or more years of experience in analytics or portfolio analytics.
Is the salary stated in the job posting?
No, the salary is not specified in the job posting.
Sample Interview Questions
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