FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company's mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch informative video. Job Summary: Your mission is to develop data science-driven algorithms and applications to improve decisions in business processes like risk and debt collection, offering the best-tailored credit services to as many clients as possible. Requirements Strong background in Mathematics / Statistics / Econometrics / Computer science or related field 5+ years of work experience in analytics, data mining, and predictive data modelling, preferably in the fintech domain Being best friends with Python and SQL Hands-on experience in handling large volumes of tabular data Strong analytical skills: ability to make sense out of a variety of data and its relation/applicability to a specific business problem Feeling confident working with key Machine learning algorithms (GBM, XG-Boost, Random Forest, Logistic regression) Being at home building and deploying models around credit risk, debt collection, fraud, and growth . Track record of designing, executing and interpreting A/B tests in business environment . Strong focus on business impact and experience driving it end-to-end using data science applications . Strong communication skills Being passionate about all things data. Our tool stack Programming language: Python Production: Python API deployed on Amazon EKS (Docker, Kubernetes, Flask) ML: Scikit-Learn, LightGBM, XGBoost, shap ETL: Python, Apache Airflow Cloud: AWS, GCP Database: MySQL DWH: BigQuery, Snowflake BI: Tableau, Metabase, dbt Streaming Applications: Flink, Kinesis Role and Responsibilities Work with stakeholders throughout the organization to identify opportunities for leveraging company data to drive business solutions Mine and analyze data from company databases and external data sources to drive optimization and improvement of risk strategies, product development, marketing techniques, and other business decisions Assess the effectiveness and accuracy of new data sources and data gathering techniques Use predictive modelling to increase and optimize customer experiences, revenue generation, and other business outcomes Coordinate with different functional teams to make the best use of developed data science applications Develop processes and tools to monitor and analyze model performance and data quality Apply advanced statistical and data mining techniques in order to derive patterns from the data Own data science projects end-to-end and proactively drive improvements in both data Benefits Paid Time Off (25 days Vacation, Sick & Public Holidays) Family Leave (Maternity, Paternity) Training & Development budget Paid company business trips (not mandatory) Remote work Recruitment Process Screening call with Senior Recruiter Home Test assignment Technical interview Interview with the team and key stakeholders Show more Show less

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company's mission of reshaping financial services for underserved communities. To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch an informative video. Job Description As a Data Analyst in Collections Operations, you will utilize your expertise in data analysis to support the optimization of collections processes, and loan recovery. You will play a key role in analyzing data related to delinquent accounts, collection strategies, payment behaviors, and providing actionable insights to improve collection efficiency. Key Responsibilities Data Analysis and Reporting: Analyze large datasets related to collections, delinquent accounts, recovery rates, and payment behaviors to provide meaningful insights that optimize collections strategies and improve operational performance Collections Strategy Optimization: Collaborate with collections, credit risk, and operations teams to optimize collections efforts, and identifying opportunities for early intervention Portfolio Monitoring: Track and monitor collection performance metrics, including recovery rates, tracking against collections' targets and provide early warnings of potential risks Automation and Reporting: Automate reporting processes to streamline collections workflows and enhance efficiency using tools such as SQL, Power BI, or Tableau. Provide updates on collections' performance in collections operations forums Collaboration with Cross-Functional Teams: Work closely with collections operations managers, product teams, and risk departments to align data insights with operational strategies and drive improvements in collections performance Ad-hoc Analysis: Provide analytical support for ad-hoc requests related to collections operations, including risk assessments, portfolio reviews, and process improvements Process Improvement: Identify inefficiencies and gaps in collections processes and recommend improvements based on data analysis to enhance recovery rates and reduce operational costs Requirements Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, BTech (Business Technology), or related field 2+ years of experience in data analysis, preferably within collections operations, lending, or financial services. Proficiency in data analysis tools such as SQL, Excel, Python, R, etc Experience with data visualization tools (e.g., Tableau) to create impactful reports and dashboards Strong knowledge of collections strategies, delinquency management, and recovery metrics Experience in automating reporting and streamlining data processes Understanding of collections processes in a lending environment Knowledge of key collections metrics Ability to collaborate with collections teams and leverage data to optimize recovery strategies and minimize losses Strong analytical and problem-solving skills, with the ability to turn complex data into actionable insights Excellent communication skills, including the ability to present data findings clearly to non-technical stakeholders Attention to detail and a focus on data accuracy and integrity Strong organizational skills, with the ability to manage multiple priorities and meet deadlines Team player with the ability to collaborate effectively across functions Advanced SQL skills for complex data extraction and manipulation Exposure to cloud-based data platforms (e.g., AWS, Google Cloud) Benefits Private Health Insurance Pension Plan Paid Time Off Remote Work Model Training & Development Programs Recruitment Process Screening call with a member of the Talent Acquisition Team Interview with the Lead, Risk Manager Interview with the Chief Credit Officer Show more Show less

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company's mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch informative video. Role Overview: As a Senior Product Manager for the lending division, you will be a key driver in shaping the strategy and roadmap for our lending products. You will be responsible for developing and executing a product vision that aligns with our company's goals and customer needs. This role requires a deep understanding of lending practices, fintech industry trends, and the unique challenges and opportunities present in the African market. Key Responsibilities : Product Strategy and Vision: Develop a clear and compelling product strategy for the lending division that supports Fairmoney's overall business objectives and aligns with the company's mission Identify and prioritise market opportunities, ensuring that our lending products remain competitive and relevant in the rapidly evolving fintech landscape You will be working on the Lending platform that powers all our lending products. You'll be closely working with the technical team to shape the scalability of the platform, and therefore the business overall Product Roadmap Management: Collaborate with cross-functional teams, including Engineering, Growth, Design, Data Science, Risk and Operations, to create a comprehensive and achievable product roadmap Regularly review and refine the roadmap to adapt to market dynamics, customer feedback, and business priorities Have the ability to brutally prioritise based on identified and agreed on goals Customer Insights and Analysis: Conduct thorough market research and customer analysis to gain valuable insights into customer behaviour, pain points, and preferences related to lending products Utilise data-driven insights to make informed product decisions, enhance user experiences, and drive customer satisfaction Product Development and Launch: Oversee the end-to-end product development process, from concept to launch, ensuring that the lending products meet high standards of quality and compliance Collaborate closely with cross-functional teams to deliver products within agreed timelines and budgets Requirements Bachelor's degree in Business, Finance, Computer Science, or a related field. A Master's degree is a plus Minimum of 5 years experience as a Product Manager, in the lending industry, preferably within the fintech sector In-depth knowledge of lending products and services, including consumer and small business lending, credit scoring models, and risk assessment Demonstrated experience in developing and launching successful fintech products Strong analytical and data-driven decision-making skills Familiarity with the Nigerian and African fintech markets and an understanding of local customer preferences and behaviors is a bonus but not essential Excellent leadership and communication skills with the ability to collaborate effectively with cross-functional teams Experience in managing and motivating high-performing product teams Creative problem solver mindset with a data-driven and KPI-oriented approach Entrepreneurial mindset and commitment to getting hands dirty at all times; Experience of working on platform products is a plus Join Fairmoney today and be a part of our mission to revolutionise financial services in Africa through innovative lending products and outstanding customer experiences. If you are passionate about fintech, possess a strong lending background, and have a track record of driving product success, we would love to hear from you. Benefits Private Health Insurance Pension Plan Training & Development Remote work Paid Time Off Recruitment Process HR Screening-30 minutes Technical interview with the product team: 60 minutes Assignment (takeaway) Final interview with Director of Product: 60 minutes Show more Show less

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. FairMoney maintains a strong international presence, with offices in several countries, including France, Nigeria, Germany, Latvia, the UK, Türkiye, and India. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch this informative video. About The Role: We are seeking an experienced and dynamic Product leader to join our growing POS merchant & agency business in Nigeria. As we embark on our transformation journey to become a leading business bank in addition to our core POS services, we need a visionary leader who possesses a deep understanding of fintech, core payment systems, and business banking. The ideal candidate will play a crucial role in shaping our product strategy, driving innovation, and delivering exceptional financial services to merchants and businesses across Nigeria and other parts of Africa as we expand Roles and Responsibilities: 1. Product Strategy: Develop and execute a comprehensive product strategy that aligns with the company's vision of becoming a leading business bank. Identify growth opportunities, market trends, and customer needs to enhance our product offerings. 2. Fintech Expertise: Leverage fintech knowledge and industry insights to drive product innovation and digital transformation. Identify emerging technologies that can improve our financial services and optimise business processes. 3. Business Banking Expansion: Lead the expansion of our product portfolio to include business banking services such as deposits, lending, trade finance, and other financial solutions tailored to meet the needs of small and medium-sized businesses. 4. Core Payment Solutions: Oversee the enhancement and maintenance of our core payment systems, including POS terminals, to ensure seamless and secure transactions for our customers. 5. Market Research: Conduct market research and competitive analysis to understand customer preferences, identify market gaps, and inform product development decisions. 6. Customer-Centric Approach: Champion a customer-centric approach to product development, ensuring that all initiatives are focused on delivering value and an exceptional user experience to our merchant and business customers. 7. Cross-Functional Collaboration: Collaborate closely with engineering, design, marketing, and operations teams to deliver new products and features in a timely manner. 8. Regulatory Compliance: Stay updated on relevant financial regulations and ensure that our products and services adhere to all compliance requirements. 9. Performance Tracking: Define key performance indicators (KPIs) and metrics to track the success of new product launches and overall product performance. 10. Team Leadership: Build and lead a high-performing product team, fostering a culture of innovation, collaboration, and continuous improvement. 11. Despite all of the above superpowers, you have no chip on the shoulder & are fun to work with. Preferred background & experience: Bachelor's or Master's degree in Business, Finance, Computer Science, or a related field Proven experience 10+ in fintech, product management, and business banking, preferably in the Nigerian or African market or emerging markets Strong understanding of core payment systems, financial technologies, and digital banking platforms Track record of successfully launching and scaling financial products and services Excellent strategic thinking, problem-solving, and decision-making abilities Strong leadership skills with the ability to motivate and inspire cross-functional teams Exceptional communication and interpersonal skills Experience with regulatory compliance in the financial services industry Flexibility to adapt to a fast-paced and evolving business environment Passion for driving financial inclusion and making a positive impact on businesses and communities Location: The position is open to candidates in Nigeria and India or other locations globally. We look forward to welcoming a visionary Product Lead who will play a key role in shaping our company's future as a leading business bank while continuing to excel in the POS agency business. If you believe you have the expertise and passion for this role, we encourage you to apply and be part of our exciting journey! Requirements Bachelor's degree in Business, Finance, Computer Science, or a related field. A Master's degree is a plus Proven experience as a Product Manager in the lending industry, preferably within the fintech sector In-depth knowledge of lending products and services, including consumer and small business lending, credit scoring models, and risk assessment Demonstrated experience in developing and launching successful fintech products Strong analytical and data-driven decision-making skills Familiarity with the Nigerian and African fintech markets and an understanding of local customer preferences and behaviors is a bonus but not essential Excellent leadership and communication skills with the ability to collaborate effectively with cross-functional teams Experience in managing and motivating high-performing product teams Creative problem solver mindset with a data-driven and KPI-oriented approach using such tools as SQL, Python and Excel Entrepreneurial mindset and commitment to getting hands dirty at all times; Join Fairmoney Nigeria today and be a part of our mission to revolutionise financial services in Africa through innovative lending products and outstanding customer experiences. If you are passionate about fintech, possess a strong lending background, and have a track record of driving product success, we would love to hear from you. Benefits Private Health Insurance Pension Plan Training & Development Remote work Paid Time Off Recruitment Process Interview with the Director of Product Case Study Interview with the CEO Show more Show less

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company's mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch informative video. Job Summary: Your mission is to develop data science-driven algorithms and applications to improve decisions in business processes like risk and debt collection, offering the best-tailored credit services to as many clients as possible. Requirements Strong background in Mathematics / Statistics / Econometrics / Computer science or related field 5+ years of work experience in analytics, data mining, and predictive data modelling, preferably in the fintech domain Being best friends with Python and SQL Hands-on experience in handling large volumes of tabular data Strong analytical skills: ability to make sense out of a variety of data and its relation/applicability to a specific business problem Feeling confident working with key Machine learning algorithms (GBM, XG-Boost, Random Forest, Logistic regression) Being at home building and deploying models around credit risk, debt collection, fraud, and growth . Track record of designing, executing and interpreting A/B tests in business environment . Strong focus on business impact and experience driving it end-to-end using data science applications . Strong communication skills Being passionate about all things data. Our tool stack Programming language: Python Production: Python API deployed on Amazon EKS (Docker, Kubernetes, Flask) ML: Scikit-Learn, LightGBM, XGBoost, shap ETL: Python, Apache Airflow Cloud: AWS, GCP Database: MySQL DWH: BigQuery, Snowflake BI: Tableau, Metabase, dbt Streaming Applications: Flink, Kinesis Role and Responsibilities Work with stakeholders throughout the organization to identify opportunities for leveraging company data to drive business solutions Mine and analyze data from company databases and external data sources to drive optimization and improvement of risk strategies, product development, marketing techniques, and other business decisions Assess the effectiveness and accuracy of new data sources and data gathering techniques Use predictive modelling to increase and optimize customer experiences, revenue generation, and other business outcomes Coordinate with different functional teams to make the best use of developed data science applications Develop processes and tools to monitor and analyze model performance and data quality Apply advanced statistical and data mining techniques in order to derive patterns from the data Own data science projects end-to-end and proactively drive improvements in both data Benefits Paid Time Off (25 days Vacation, Sick & Public Holidays) Family Leave (Maternity, Paternity) Training & Development budget Paid company business trips (not mandatory) Remote work Recruitment Process Screening call with Senior Recruiter Home Test assignment Technical interview Interview with the team and key stakeholders Show more Show less

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. FairMoney maintains a strong international presence, with offices in several countries, including France, Nigeria, Germany, Latvia, the UK, Türkiye, and India. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch this informative video. About the role A highly analytical professional with deep expertise in Expected Credit Loss (ECL) modeling forecasting and collections risk analysis. This role is critical in shaping data-driven recovery strategies by analyzing delinquency trends, risk segmentation, and portfolio performance. The individual must have a strong understanding of how predictive models work, impact collections strategies, and how to interpret their outputs to optimize recovery efforts. The individual will be responsible for analyzing risk trends, evaluating collections effectiveness, and providing actionable insights to improve recoveries. This position requires hands-on experience with SQL, Python (for data analysis), and statistical modeling concepts, as well as a thorough understanding of how underwriting decisions and collections operations impact Expected Credit Loss and overall portfolio risk. Requirements ECL Modeling & Forecasting: • Analyze and interpret ECL models and forecasts, providing insights into expected recoveries and risk exposure. • Utilize historical delinquency and recovery data to assess the accuracy of ECL projections and recommend refinements. • Perform vintage analysis and roll-rate modeling to understand credit deterioration and its impact on collections risk. • Support stress testing efforts to evaluate portfolio performance under different collections strategies and economic conditions. • Monitor and assess loss provisioning trends, ensuring alignment between collections strategies and expected recoveries. Collections Performance Analytics & Risk Segmentation: • Analyze cohort performance, delinquency trends, and borrower segmentation to optimize collections strategies. • Evaluate the effectiveness of existing collections treatment paths, identifying areas for improvement. • Assess the impact of credit underwriting decisions on collections outcomes, ensuring alignment between risk assessment and recovery strategies. • Support the design and execution of A/B testing for different collections approaches, using data to recommend optimal strategies. • Monitor roll rates and transition matrices to detect early signs of delinquency risk and recommend intervention strategies. Understanding of Predictive Models & Strategy • Interpret the outputs of propensity-to-pay models and predictive risk models, using insights to refine collections outreach. • Work closely with data science teams to understand how machine learning models assess collections risk and borrower behavior. • Leverage model-driven insights to enhance borrower segmentation, call center efficiency, and digital engagement strategies. • Identify leading indicators of non-repayment, ensuring proactive collections intervention before delinquency worsens. • Collaborate with strategy teams to refine contact strategies based on predictive insights, improving recovery rates. Collaboration & Process Improvement: • Work closely with finance, risk, and collections operations teams to ensure accurate forecasting and risk assessment. • Provide data-driven recommendations to improve collections efficiency, reduce cost to collect, and enhance customer engagement. • Develop automated reporting and dashboards for tracking collections KPIs, recovery rates, and delinquency trends. • Support the Collections Analytics Manager in refining risk models and implementing strategy improvements based on data insights. • Evaluate and recommend new data sources to improve collections risk analysis and forecasting accuracy. Key Skills & Qualifications: Technical & Analytical Skills: • Advanced proficiency in SQL and Python for data extraction, manipulation, and analysis. • Strong expertise in Expected Credit Loss (ECL) modeling, loss forecasting, and provisioning calculations. • Familiarity with statistical modeling, machine learning outputs, and predictive analytics in a credit risk or collections setting. • Understanding of vintage analysis, roll-rate modeling, and transition matrices for delinquency risk assessment. • Experience with Power BI, Tableau, or similar visualization tools to present collections insights effectively. • Knowledge of IFRS 9 and other credit risk regulatory frameworks affecting ECL calculations. Experience & Risk Management Expertise: • 3+ years of experience in collections analytics, credit risk, or a related data-driven role. • Strong track record in forecasting delinquency trends and optimizing loss provisioning strategies. • Experience working with ECL models, understanding their inputs, outputs, and business implications. • Understanding of underwriting policies and how they influence collections risk and recovery strategies. • Experience in A/B testing for collections strategy optimization. • Strong ability to interpret predictive model outputs and apply insights to optimize collections operations. Communication & Stakeholder Engagement: • Strong ability to translate complex data findings into actionable recommendations for senior leadership. • Experience working cross-functionally with finance, risk, and collections operations teams. • Ability to present technical insights in a clear, non-technical manner to business stakeholders. • Strong written and verbal communication skills to drive alignment on collections risk strategy. Desired Traits: • Highly Analytical: Strong problem-solving skills with the ability to break down complex data into actionable insights. • Detail-Oriented: Ensures accuracy in reporting and forecasting to minimize risk exposure. • Proactive: Continuously seeks ways to improve ECL forecasting, risk segmentation, and collections efficiency. • Results-Driven: Focused on optimizing recovery rates and minimizing losses through data-driven strategy execution. • Adaptable: Thrives in a fast-paced, dynamic environment where collections and risk strategies evolve rapidly. Benefits Private Health Insurance Pension Plan Training & Development Hybrid work Paid Time Off Recruitment Process Screening interview with a Senior Recruiter- 30 minutes Technical Assessment Technical Interview with the Lead Risk Manager for 45-60 minutes. Show more Show less