Lead Risk Manager & Portfolio Owner

Portfolio economics and business planning:

• Own Android revenue, sustainable Gross Loan Book growth, risk-adjusted Gross Profit, economic profit and credit-risk performance
• Build and own the annual Android business plan and strategic roadmap
• Produce the monthly portfolio forecast and maintain a clear bridge between actual performance, budget and prior forecast
• Diagnose material variances and drive corrective actions with clear owners and deadlines
• Manage Expected Credit Loss, ECL/Revenue, approval and disbursal rates, Average Loan Size, tenure, exposure, FPD, roll rates, PAR, NPL, repeat value and CAC payback
• Partner with Finance and Portfolio Economics on loan-level and customer-level NPV, funding efficiency and performance attribution.

End-to-end Android credit strategy:

• Own and continuously improve strategy across:
  • New-to-Bank: low-and-grow origination, first-loan ticket, tenure, pricing and risk controls
  • Returning: repeat eligibility, behavioural strategy, offer construction and exposure growth
  • Top-Ups and Internal Consolidation: eligibility, incremental exposure, pricing, conversion and post-event risk
  • High-risk segments: risk-box clean-up, pricing, short-tenure treatment and exposure caps
  • Rejected-customer re-entry: controlled requalification using risk, affordability and alternative data
• You will own the commercial application of PD cut-offs and calibration, pricing, offers, tenure, exposure limits, affordability, income-source treatment, fraud overlays, MBS treatments and customer-routing logic.

Affordability, experimentation and production delivery:

• Help formalise and operationalise Android affordability using bank-statement/MBS signals, transaction behaviour, SMS-derived estimates, declared income and repayment history
• Translate affordability into amount, tenure, price, exposure, Top-Up and Consolidation decisions
• Design controlled A/B, multivariate and champion/challenger tests with explicit hypotheses, maturity windows, success measures and rollback triggers
• Measure full unit economics rather than only early risk metrics
• Translate strategy into decision-engine rules, parameters and implementation requirements
• Own replay, back-testing, validation, staged rollout, monitoring and post-implementation review
• Drive cross-functional dependencies through to production rather than stopping at analysis.

Delegated decision rights

• Within agreed appetite, budgets and authority, you will be empowered to:
  • Prioritise and sequence the Android portfolio roadmap
  • Approve and launch controlled experiments within agreed thresholds
  • Scale, pause, modify or roll back strategies against predefined evidence and guardrails
  • Reallocate team capacity across Android workstreams
  • Escalate and resolve delivery blockers
• You will escalate decisions that exceed delegated financial or risk thresholds, change company-level risk appetite, create material legal or customer-conduct implications, or materially affect another portfolio.

Team and cross-functional leadership:

• Build and lead a senior Android credit-strategy team with clear workstream ownership
• Establish strong weekly and monthly portfolio rhythms
• Develop credible workstream owners and at least one portfolio deputy
• Reduce key-person dependency through documentation, controls and repeatable processes
• Work closely with Decision Science, Product, Engineering, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service
• Mobilise these partners around clear briefs, owners, timelines and expected economic impact.

Requirements

• 6+ years in consumer credit risk, credit strategy or lending portfolio management
• Proven ownership of a material lending portfolio or product line, including revenue, GLB, risk and profitability
• Experience building annual business plans, monthly forecasts and corrective action plans
• Strong digital unsecured-lending experience; Nigerian or broader African-market experience is strongly preferred
• Advanced understanding of PD, LGD, EAD, vintages, roll rates, IFRS 9/ECL, pricing, offers, tenure, exposure, affordability and NPV
• Strong SQL capability and comfort with Python or equivalent analytical tooling
• Experience translating credit strategy into decision-engine rules and controlled production changes
• Evidence of building senior teams, developing successors and leading complex cross-functional delivery
• Strong executive communication and the confidence to challenge decisions with evidence.