Portfolio Analyst
Renmoney Open At a glance
Mid-level Investment & Corporate Development role at Renmoney. Remote, Russia · contract.
Pay not stated Investment & Corporate Development salary
financeroles summary, based on the employer's posting.
What you'll do
- Track credit portfolio measures such as FPD, PD, LGD, NPL and Surplus, and assess LTV for pricing decisions
- Segment customers by risk, product or acquisition source, then assess how internal initiatives affect financial outcomes
- Balance higher-yield and lower-risk loans while watching concentration across regions, products and borrower groups
- Use default and early repayment patterns to refine credit rules and improve loan origination processes
- Set scoring-model requirements with Data Science, review scorecard performance and work with cash-flow forecasts
What you bring
- At least three years in analytics, including portfolio analytics
- Strong grasp of credit risk measures such as PD, NPL, FPD and Roll Rate
- Practical knowledge of probability and statistics, plus advanced Excel, SQL and basic Python skills
- A higher-education qualification, preferably in a technical or economics-related subject
- Familiarity with regulations for banks or microfinance institutions
Who this fits
This suits a mid-level analyst who wants hands-on responsibility for credit portfolio decisions and collaboration with Product and Data Science. The role is remote from anywhere in the world and is offered on a contractor basis.
From the employer
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&L);
- 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.
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