Renmoney

Portfolio Analyst

Renmoney

contract

Posted on:

Location Type: Remote

Location: Russia

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Tech Stack

NumpyPandasPythonScikit-LearnSQL

About the role

  • 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).
  • 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.
  • 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.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
portfolio analyticscredit risk assessmentcustomer segmentation strategiesscoring modelscash flow forecastingprobability theorymathematical statisticsfinancial modelingA/B testingdata analysis
Soft Skills
analytical thinkingproblem-solvingcommunicationteam collaborationorganizational skills