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