Opportunity at
FairMoneyPortfolio Analyst Consumer Lending
FairMoney seeks a Portfolio Analyst Consumer Lending to join its team on-site. Established in 2017, the organization operates a mobile banking platform and point-of-sale solution focused…
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About This Role
FairMoney seeks a Portfolio Analyst Consumer Lending to join its team on-site. Established in 2017, the organization operates a mobile banking platform and point-of-sale solution focused on emerging markets, supported by nearly €50 million in funding from prominent global investors such as Tiger Global, DST, and Flourish Ventures. The company maintains a multicultural workforce representing more than 27 nationalities and offers a comprehensive suite of financial services including savings accounts,…
Job Description
FairMoney seeks a Portfolio Analyst Consumer Lending to join its team on-site. Established in 2017, the organization operates a mobile banking platform and point-of-sale solution focused on emerging markets, supported by nearly €50 million in funding from prominent global investors such as Tiger Global, DST, and Flourish Ventures. The company maintains a multicultural workforce representing more than 27 nationalities and offers a comprehensive suite of financial services including savings accounts, current accounts, debit cards, and digital microcredit.
In this position, the specialist provides dedicated portfolio analytics for the Consumer Risk team to ensure visibility into performance, early risk detection, and data-backed credit decisions. The work involves tracking application-to-recovery metrics, evaluating vintages, conducting segmentation reviews, and maintaining Tableau dashboards. Success in the role requires managing priorities independently within a fast-paced environment and communicating findings clearly to both technical and non-technical partners.
The role suits an analytical professional with a background in consumer lending, retail credit, fintech, or portfolio risk. Candidates will collaborate closely with various internal departments, including Data and BI, Product, Engineering, Collections, and Underwriting, to enhance data quality and support risk appetite monitoring as the business scales.
Responsibilities
- Track metrics across the complete lending funnel from applications and approvals to disbursements, repayments, and recoveries
- Evaluate portfolio vintages and risk indicators such as early delinquency, first payment default, credit loss trends, roll rates, cure rates, and defaults
- Conduct segmentation reviews based on risk grade, customer profile, loan size, tenor, pricing, product, and acquisition channel
- Develop, automate, and update Tableau dashboards intended for management and Risk stakeholders
- Measure the impact of adjustments to underwriting, credit rules, pricing, limits, and product strategies
- Detect emerging portfolio risks, investigate underlying causes, and propose corrective interventions
- Examine collections results alongside the Collections department to evaluate treatment effectiveness and delinquency trends
- Contribute to risk appetite monitoring, portfolio forecasting, and periodic management reports
- Collaborate with Engineering, Product, Data and BI, Underwriting, and Collections to enhance data reliability
Requirements
- At least 3 years of professional experience in fintech, consumer lending, portfolio risk, retail credit, or credit analytics
- Practical background in examining loan portfolio performance and the complete lending lifecycle
- Hands-on experience in building and updating Tableau dashboards
- Strong proficiency in SQL and data analysis, along with Excel skills
- Solid understanding of consumer credit risk, lending economics, and portfolio monitoring
- Familiarity with vintage analysis, defaults, roll rates, cure rates, PAR, DPD, and loss trends
Qualifications
- Bachelor's degree in Mathematics, Finance, Economics, Statistics, Computer Science, Engineering, or a related field
- Experience working with credit bureau information, affordability metrics, salary verification, or income signals
- Familiarity with Python or alternative analytical programming languages
Core Skills
Benefits
- Private Health Insurance
- Performance Bonus
- Pension Plan
- Training and Development
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the location or remote work policy for this role?
The position is on-site, though the specific city or location is not detailed in the source posting.
What are the primary experience requirements for applicants?
Applicants must have a minimum of 3 years of relevant experience in fintech, consumer lending, retail credit, portfolio risk, or credit analytics, alongside hands-on Tableau and SQL skills.
What education is required for the Portfolio Analyst role?
Candidates need a bachelor's degree in Mathematics, Finance, Economics, Statistics, Computer Science, Engineering, or a related field.
What is the compensation or salary for this position?
The salary is not stated in the source posting.
What does the recruitment process involve?
The hiring process consists of a 30-minute screening call with a recruiter followed by a technical interview with the hiring manager lasting 30 to 60 minutes.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.