Jobs at FairMoney

Analyze lending lifecycle data to improve credit performance, collections, recovery, customer experience, and growth. Build real-time dashboards, automate recurring reports, monitor credit and risk metrics, evaluate user journeys and A/B tests, and support credit scoring and segmentation. Collaborate with Data Engineering on pipelines, ETL, warehouses, and governance while ensuring accurate regulatory reporting aligned with Central Bank of Nigeria guidelines.

Create clear, persuasive, and culturally relevant copy for FairMoney’s digital products, marketing campaigns, CRM communications, social media, and customer education initiatives. Simplify complex financial concepts, develop campaign messaging, maintain brand consistency, and edit content for accuracy and compliance. The role collaborates with Product, Growth, Design, Marketing, CRM, and Customer Experience teams while supporting launches and localized communications for Nigerian audiences.

Lead and mentor engineering squads building identity, authentication, KYC, and backend systems. Provide technical direction for scalable distributed systems, ensure quality, security, reliability, and testing standards, and collaborate with Product, Risk, Compliance, and other stakeholders. Manage performance, hiring, team development, and technical strategy while monitoring production systems and driving continuous improvements.

Owns CX operational reporting, dashboards, automation, Freshworks administration, chatbot optimization, and process improvement. Builds SQL, BigQuery, and Tableau reports; manages Freshdesk, Freshchat, and Freshcaller workflows; monitors CX KPIs; leads governance meetings; and partners with Product and Engineering to resolve customer pain points and improve processes.

Design, build, and maintain scalable backend services, distributed systems, APIs, and relational data models supporting lending and credit products. The role focuses on performance, reliability, security, observability, and fault tolerance. Responsibilities include architectural decisions, production troubleshooting, code reviews, mentoring, automated testing, CI/CD, and collaboration with Product, Data, Risk, and Engineering teams.

Leads and mentors software engineers building reliable, scalable backend systems for lending and credit products. Owns technical direction, architecture, delivery, system reliability, engineering standards, incident management, and team development. Partners with Product, Risk, Data, and other stakeholders while contributing hands-on code. The role requires expertise in distributed systems, backend development, databases, APIs, microservices, CI/CD, testing, monitoring, and financial technology domains.

The Portfolio Analyst will monitor consumer lending portfolio performance across the full loan lifecycle, analyze credit risk metrics and borrower segments, and identify emerging risks. The role includes building automated Tableau dashboards, evaluating credit policy and product changes, supporting forecasting and risk reporting, analyzing collections outcomes, and translating large-dataset findings into actionable recommendations. The analyst will collaborate with Risk, Product, Data, Engineering, Underwriting, and Collections teams.

Leads nationwide or regional loan recovery operations, setting field strategies, targets, KPIs, and recovery plans. Oversees borrower visits, skip-tracing, settlements, compliance audits, field teams, and third-party agents. Ensures adherence to CBN regulations, credit risk guidelines, debt recovery laws, and ethical collection standards. Collaborates with Credit, Risk, Legal, Operations, and Customer Service teams, while improving recovery processes, reporting, SOPs, escalations, repossessions, and collateral realization.

Owns the customer experience agenda by mapping customer journeys, setting experience strategy, managing improvement roadmaps, resolving pain points with cross-functional teams, reviewing in-app experiences, and standardizing branch experiences. The role translates Voice of Customer insights into accountable actions, tracks performance through dashboards and reviews, assesses branch compliance, and manages an Experience Analyst.

Lead development and implementation of the company-wide Environmental & Social Management System (ESMS). Coordinate ESG and social initiatives, ensure regulatory compliance, perform E&S risk assessments, monitor ESG performance and reporting, advise HR and business units on policies and training, and prepare the annual sustainability report.

Lead owner of FairMoney's Android lending portfolio in Nigeria. Responsible for portfolio economics, business planning, credit strategy, affordability, experimentation, decision-engine implementation, forecasting, risk controls, and building a senior team while coordinating cross-functional delivery.

Own end-to-end credit strategy for an Android lending workstream: set roadmap, forecasts, and P&L; design experiments and PD/eligibility rules; implement decision-engine rules; define back-testing, validation and rollout plans; monitor performance and drive corrective actions; collaborate cross-functionally and mentor other analysts to ensure controlled, profitable growth.