FairMoney

Business Intelligence Analyst

• Analyze large datasets across the lending lifecycle, including acquisition, underwriting, disbursement, repayment, collections, and recovery
• Identify trends, risks, and opportunities to improve portfolio performance
• Deliver actionable insights to Credit, Operations, Product, and Leadership teams
• Build and maintain real-time dashboards tracking PAR, NPLs, recovery rates, and disbursement volumes
• Automate recurring daily, weekly, and monthly performance reports
• Ensure data accuracy, consistency, and accessibility across teams
• Support development and monitoring of credit scoring models using telco, behavioral, banking, and device data
• Track portfolio health metrics, including PAR 30/90, roll rates, and default rates
• Conduct cohort analysis to evaluate loan performance and risk segmentation
• Analyze repayment behavior and optimize collections strategies
• Build segmentation models for early-stage, late-stage, and high-risk borrowers
• Support skip tracing and recovery optimization using data insights, including escalation effectiveness
• Partner with Product teams to track user journeys, conversion funnels, and drop-off points
• Design and evaluate A/B tests to improve acquisition, engagement, and repayment rates
• Provide insights to optimize pricing, loan offers, and customer targeting
• Work with Data Engineering to improve data pipelines, ETL processes, and warehouse structures
• Automate manual reporting processes using SQL, Python, or BI tools
• Ensure data governance and analytics best practices
• Support reporting requirements aligned with Central Bank of Nigeria guidelines
• Ensure integrity of financial and risk data used for audits and regulatory submissions
• Success metrics include accurate and timely reporting, improved portfolio performance, increased collections efficiency, faster decision-making through real-time dashboards, and measurable impact of data-driven experiments
• First six months: deliver functional lending and collections dashboards, reduce defaults and improve recovery rates, automate reporting, collaborate with Credit, Operations, and Product teams, and influence business decisions through data-driven recommendations

Copywriter

• Write clear, engaging, and user-centered copy across FairMoney's digital products and marketing channels, including the mobile app, website, CRM campaigns, social media, product interfaces, and marketing materials.
• Translate complex financial products and services into simple, relatable messaging that customers can easily understand and trust.
• Create campaign concepts, headlines, taglines, scripts, and calls-to-action that drive acquisition, engagement, and retention.
• Adapt messaging for different customer segments while maintaining a consistent FairMoney tone of voice across all touchpoints.
• Collaborate closely with Product, Growth, Design, Customer Experience, and Marketing teams to develop and execute high-impact campaigns.
• Create culturally relevant content reflecting the realities, language, and everyday experiences of Nigerian consumers.
• Edit and proofread copy across the business, ensuring clarity, accuracy, consistency, and compliance with brand and regulatory standards.
• Support product launches, seasonal campaigns, employer branding, partnerships, and customer education initiatives.
• Stay informed on customer insights, market trends, and competitor messaging to improve communication effectiveness.

Customer Support

• Own CX operational reporting and dashboards.
• Build automated reports using SQL, BigQuery, and Tableau.
• Administer the Freshworks suite (Freshdesk, Freshchat, Freshcaller), including workflows, automations, bot flows, tags, and reporting.
• Drive CX automation and process improvement initiatives.
• Partner with Product and Engineering to resolve customer pain points and implement improvements.
• Lead weekly CX governance meetings and track action items to closure.
• Monitor CX KPIs / OKRs and identify improvement opportunities.

Customer Experience Optimization Specialist

Full-stack Engineer

• Design, develop, test, and maintain backend systems for Identity, KYC, authentication, and related services
• Contribute to technical projects from development through deployment and maintenance
• Build and support reliable distributed systems and backend services
• Work closely with Product, Risk, Compliance, and other engineering teams to deliver effective identity and KYC solutions
• Participate in code reviews and contribute to engineering standards and best practices
• Identify and resolve performance, scalability, reliability, and security issues
• Use AI-assisted development tools and modern engineering practices to improve productivity and delivery
• Work with backend technologies and infrastructure including Go, Ruby on Rails, Python, AWS, Kubernetes, databases, messaging services, and GitHub Actions CI/CD

Software Engineer, Identity

Software Engineer

• Design, develop, and maintain scalable and reliable backend services.
• Write clean, maintainable, and production-ready code.
• Build and improve backend services supporting FairMoney's financial products.
• Work with Golang and Ruby on Rails backend technologies.
• Troubleshoot, debug, and resolve technical issues.
• Participate in code reviews and contribute to engineering best practices.
• Design, develop, and maintain secure and scalable APIs.
• Document APIs and integrate backend services with internal and external systems.
• Design and work with relational database schemas using PostgreSQL and MySQL.
• Write efficient SQL queries and optimize database performance.
• Ensure data integrity, consistency, and reliability.
• Write and maintain unit and integration tests.
• Participate in automated testing and continuous integration processes.
• Use AI-powered development tools and prompt engineering to improve productivity, code quality, debugging, testing, and problem-solving.
• Collaborate with Product, Engineering, Data, and other teams.
• Participate in technical planning, design discussions, and architecture decisions.
• Identify technical improvements and contribute to engineering practices.
• Own assigned projects from development through deployment and maintenance.

• Design, develop, and maintain scalable backend systems for Identity, KYC, authentication, and related services
• Own complex technical projects from design through implementation, testing, deployment, and maintenance
• Build reliable distributed systems and services supporting millions of customers across multiple markets
• Collaborate with Product, Risk, Compliance, and engineering teams to deliver identity and KYC solutions
• Contribute to technical architecture, engineering standards, code reviews, and best practices within the Identity squad
• Identify and resolve performance, scalability, reliability, and security challenges
• Use AI-assisted development tools and modern engineering practices to improve productivity and software delivery
• Mentor engineers and contribute to knowledge sharing and continuous improvement

Senior Software Engineer, Identity

• Design, build, and maintain scalable backend services and distributed systems
• Develop reliable APIs and services that support lending and credit-related products
• Design, optimise, and maintain relational databases and data models
• Identify and resolve performance, scalability, and reliability bottlenecks
• Contribute to architectural decisions and technical design discussions
• Build systems with strong consideration for availability, fault tolerance, security, and data consistency
• Work closely with Product, Data, Risk, and other Engineering teams to deliver impactful solutions
• Review code, provide technical guidance, and contribute to engineering best practices
• Investigate and resolve complex production issues
• Improve system observability, monitoring, and overall operational reliability
• Mentor other engineers and contribute to a strong engineering culture

Senior Software Engineer – RCL

Engineering Manager

• Lead, mentor, and develop engineering squads while fostering ownership, collaboration, and continuous improvement
• Provide technical leadership for identity, authentication, KYC, and related backend systems
• Collaborate with Product, Risk, Compliance, and other teams to translate business and regulatory requirements into technical solutions
• Drive the design, development, and delivery of scalable and resilient distributed systems
• Ensure high standards for architecture, code quality, testing, security, reliability, and engineering practices
• Support engineers in solving complex technical challenges and making engineering decisions
• Manage team performance, growth, hiring, and development
• Monitor system performance and reliability, identify improvement areas, and drive technical improvements
• Contribute to engineering strategy and shape the Identity technology roadmap
• Work with technologies including Android, Ruby on Rails, Go, Sidekiq, RSpec, Python, Flask, AWS, Kubernetes, SNS, SQS, Lambdas, RDS Aurora, MySQL, PostgreSQL, DynamoDB, S3, Kinesis, GCP, BigQuery, Cloud Composer, and GitHub Actions

Engineering Manager – Identity

• Lead, mentor, and develop a team of software engineers, creating a high-performing and collaborative engineering culture
• Own the technical direction and delivery of systems supporting lending and credit products
• Work closely with Product, Risk, Data, and other teams to define technical solutions and delivery priorities
• Drive the design, development, and scaling of reliable backend services and distributed systems
• Participate in architectural decisions and ensure solutions are scalable, maintainable, and resilient
• Set engineering standards around code quality, testing, deployment, observability, and system reliability
• Support engineers with technical guidance, code reviews, architecture discussions, and complex problem-solving
• Identify and address technical debt, performance bottlenecks, and system reliability issues
• Ensure effective planning, prioritisation, and timely delivery of engineering initiatives
• Establish and track engineering metrics around delivery, quality, reliability, and operational performance
• Support incident management and ensure effective root-cause analysis and follow-up
• Coach engineers through regular 1:1s, feedback, career development, and performance management
• Participate in hiring and help build a strong engineering team

Engineering Manager, RCL

Analyst

• Provide dedicated portfolio analytics for the Consumer Lending Risk team.
• Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
• Analyse portfolio vintages and key risk metrics, including first payment default, early delinquency, PAR and DPD, roll rates, cure rates, defaults, recoveries and credit loss trends.
• Perform segmentation analysis by risk grade, customer profile, product, loan amount, tenor, pricing, acquisition channel and other relevant dimensions.
• Monitor the end-to-end lending funnel and identify drivers of approval, conversion, utilisation and portfolio performance.
• Build, automate and maintain Tableau dashboards for Risk, management and relevant stakeholders.
• Assess the impact of changes to credit rules, limits, pricing, underwriting and product strategies through cohort, vintage and policy-impact analysis.
• Identify emerging portfolio risks, investigate root causes and recommend interventions.
• Track collections performance and collaborate with Collections on delinquency movements, treatment effectiveness and recovery outcomes.
• Support portfolio forecasting, risk appetite monitoring, performance reviews and periodic management and credit reporting.
• Partner with Product, Data and BI, Engineering, Underwriting and Collections to improve data availability, quality and reporting.