Recruitment at FairMoney Microfinance Bank 

FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia.

We are recruiting to fill the position below:

Job Title: Software Engineer – Frontend (Mobile, React Native)

Location: Nigeria (Remote)
Category: Engineering
Employment Type: Full-time

Roles and responsibilities

• Developing high-quality features by working with our Product team to better serve customers.
• Building a platform on which each market can plug its specific features while maintaining a solid common core product.
• Tackling complex financial processes with the right patterns and appropriate solutions.
• Helping drive the architecture and technology choices that enable a world-class experience for our customers.
• Being responsible for designing, developing, and deploying medium to large-sized projects.
• Helping define engineering best practices and providing technical mentorship to other members of the engineering team.
• Contributing to continuous improvements to an infrastructure that can handle millions of clients.
• Analyzing and improving efficiency, scalability, and stability of monitoring, continuous integration, and platform integration.

Our technical stack:

• Our customer-facing product is a React Native, Android and IOS on mobile.
• We use React, Next.js, and Typescript for web.
• .Net Core (C#) backend.
• We are hosted on Azure cloud.

Requirements

• Bachelor’s / Master’s Degree in Computer Science, Maths, or related technical domain.
• 5+ years of professional experience in React Native and React
• 2+ years of experience working in Fintech.
• Excellent troubleshooting skills.
• Familiarity with RESTful APIs.
• Solid understanding of core JavaScript, and Typescript concepts.
• Experience with writing automated tests
• Strong knowledge of testing best practices and understanding of CI/CD.
• You have excellent verbal and written communication skills.
• You have excellent problem-solving skills and object-oriented design skills.
• Teamwork player used to pair programming and peer reviews.

Preferred Qualifications:

•  Web app development experience is a big plus (React, Next.js).
• Experience taking a leading role in building complex software systems that have been successfully delivered to customers.
• Micro-services experience is very much preferred.
• Expert knowledge of professional software engineering practices & best practices for the full software development life cycle, including coding standards, code reviews, source control management, build processes, testing, and operations.
• Experience with cloud providers, preferably Azure, alternatively AWS/Azure;
• Experience in communicating with users, other technical teams, and management to collect requirements, describe software product features, and create technical designs and specifications.
• Experience mentoring junior software engineers to improve their skills, and make them more effective, productive software engineers.
• Experience influencing software engineering best practices within your team.

Benefits

• Private Health Insurance
• Paid Time Off
• Pension Plan
• Work From Home
• Training & Development.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

Job Title: Senior Collections Risk Analyst

Location: Nigeria

About the role

• A highly analytical professional with deep expertise in Expected Credit Loss (ECL) modeling forecasting and collections risk analysis.
• This role is critical in shaping data-driven recovery strategies by analyzing delinquency trends, risk segmentation, and portfolio performance.
• The individual must have a strong understanding of how predictive models work, impact collections strategies, and how to interpret their outputs to optimize recovery efforts.
• The individual will be responsible for analyzing risk trends, evaluating collections effectiveness, and providing actionable insights to improve recoveries.
• This position requires hands-on experience with SQL, Python (for data analysis), and statistical modeling concepts, as well as a thorough understanding of how underwriting decisions and collections operations impact Expected Credit Loss and overall portfolio risk.

Responsibilities
ECL Modeling & Forecasting:

• Analyze and interpret ECL models and forecasts, providing insights into expected recoveries and risk exposure.
• Utilize historical delinquency and recovery data to assess the accuracy of ECL projections and recommend refinements.
• Perform vintage analysis and roll-rate modeling to understand credit deterioration and its impact on collections risk.
• Support stress testing efforts to evaluate portfolio performance under different collections strategies and economic conditions.
• Monitor and assess loss provisioning trends, ensuring alignment between collections strategies and expected recoveries.

Collections Performance Analytics & Risk Segmentation:

• Analyze cohort performance, delinquency trends, and borrower segmentation to optimize collections strategies.
• Evaluate the effectiveness of existing collections treatment paths, identifying areas for improvement.
• Assess the impact of credit underwriting decisions on collections outcomes, ensuring alignment between risk assessment and recovery strategies.
• Support the design and execution of A/B testing for different collections approaches, using data to recommend optimal strategies.
• Monitor roll rates and transition matrices to detect early signs of delinquency risk and recommend intervention strategies.

Understanding of Predictive Models & Strategy:

• Interpret the outputs of propensity-to-pay models and predictive risk models, using insights to refine collections outreach.
• Work closely with data science teams to understand how machine learning models assess collections risk and borrower behavior.
• Leverage model-driven insights to enhance borrower segmentation, call center efficiency, and digital engagement strategies.
• Identify leading indicators of non-repayment, ensuring proactive collections intervention before delinquency worsens.
• Collaborate with strategy teams to refine contact strategies based on predictive insights, improving recovery rates.

Collaboration & Process Improvement:

• Work closely with finance, risk, and collections operations teams to ensure accurate forecasting and risk assessment.
• Provide data-driven recommendations to improve collections efficiency, reduce cost to collect, and enhance customer engagement
• Develop automated reporting and dashboards for tracking collections KPIs, recovery rates, and delinquency trends.
• Support the Collections Analytics Manager in refining risk models and implementing strategy improvements based on data insights.
• Evaluate and recommend new data sources to improve collections risk analysis and forecasting accuracy.

Key Skills & Qualifications
Technical & Analytical Skills:

• Advanced proficiency in SQL and Python for data extraction, manipulation, and analysis.
• Strong expertise in Expected Credit Loss (ECL) modeling, loss forecasting, and provisioning calculations.
• Familiarity with statistical modeling, machine learning outputs, and predictive analytics in a credit risk or collections setting.
• Understanding of vintage analysis, roll-rate modeling, and transition matrices for delinquency risk assessment.
• Experience with Power BI, Tableau, or similar visualization tools to present collections insights effectively.
• Knowledge of IFRS 9 and other credit risk regulatory frameworks affecting ECL calculations.

Experience & Risk Management Expertise:

• 3+ years of experience in collections analytics, credit risk, or a related data-driven role.
• Strong track record in forecasting delinquency trends and optimizing loss provisioning strategies.
• Experience working with ECL models, understanding their inputs, outputs, and business implications.
• Understanding of underwriting policies and how they influence collections risk and recovery strategies.
• Experience in A/B testing for collections strategy optimization.
• Strong ability to interpret predictive model outputs and apply insights to optimize collections operations.

Communication & Stakeholder Engagement:

• Strong ability to translate complex data findings into actionable recommendations for senior leadership.
• Experience working cross-functionally with finance, risk, and collections operations teams.
• Ability to present technical insights in a clear, non-technical manner to business stakeholders.
• Strong written and verbal communication skills to drive alignment on collections risk strategy.

Desired Traits:

• Highly Analytical: Strong problem-solving skills with the ability to break down complex data into actionable insights.
• Detail-Oriented: Ensures accuracy in reporting and forecasting to minimize risk exposure.
• Proactive: Continuously seeks ways to improve ECL forecasting, risk segmentation, and collections efficiency.
• Results-Driven: Focused on optimizing recovery rates and minimizing losses through data-driven strategy execution.
• Adaptable: Thrives in a fast-paced, dynamic environment where collections and risk strategies evolve rapidly.

Benefits

• Private Health Insurance
• Pension Plan
• Training & Development
• Hybrid work
• Paid Time Off.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

Job Title: Senior Product Manager – Banking

Location: Remote

Role Overview

• The Senior Product Manager for our Neobanking division will play a crucial role in devising and implementing strategies for our banking products.
• This position demands an expert understanding of digital banking trends, regulatory environments, and the unique financial needs within the African market.

Key Responsibilities
Product Strategy and Vision:

• Craft a compelling product strategy for the Neobanking division that aligns with Fairmoneyʼs overarching business goals.
• Scout and prioritize market opportunities to ensure our banking products are competitive and address the needs of a dynamic fintech environment.

Product Roadmap Management:

• Work collaboratively with teams across Engineering, Marketing, UX/UI Design, Data Analytics, and Operations to develop a cohesive and feasible product roadmap.
• Continuously evaluate and adjust the roadmap in response to market shifts, consumer feedback, and strategic priorities.

Customer Insights and Analysis:

• Execute detailed market research and customer analyses to extract insights that inform product decisions and enhance customer engagement and satisfaction.
• Leverage analytics to refine product features and ensure alignment with user expectations and business objectives.

Product Development and Launch:

• Supervise the entire product lifecycle from ideation to market launch, guaranteeing quality, compliance, and alignment with customer expectations.
• Ensure seamless collaboration across functional teams to achieve product delivery within set timelines and budget.

Risk Management and Compliance:

• Coordinate closely with the Compliance and Risk management teams to ensure all banking products comply with legal standards and ethical norms.
• Develop strategies to mitigate risks and secure the interests of both customers and the business.

Performance Tracking and Optimisation:

• Establish and monitor critical performance indicators to measure product success and market penetration.
• Iterate and enhance product offerings based on rigorous analysis and customer feedback.

Team Leadership and Development:

• Lead, mentor, and build capabilities within the product management team to foster a culture of innovation and excellence.
• Define clear team goals, offer consistent feedback, and support career development.

Requirements

• Bachelor’s Degree in Business, Finance, Computer Science, or related field; Masterʼs preferred.
• Extensive experience as a Product Manager Leader within the banking or fintech sectors.
• Comprehensive understanding of digital banking products, including mobile banking, API-driven banking services, and customer engagement tools.
• Strong analytical skills with a proficiency in data analysis tools such as SQL, Python, and Excel.
• Deep familiarity with the Nigerian and broader African fintech landscapes; knowledge of local banking regulations and customer behaviors is highly advantageous.
• Exceptional leadership and communication skills, with a proven ability to manage high-performing teams in a fast-paced environment.
• Innovative and entrepreneurial mindset, with a commitment to hands- on problem-solving and a data-driven approach.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

Job Title: Finance Manager

Location: Nigeria

The Department

• The Finance department at FairMoney is a key component in this mission to provide banking services to all consumers across emerging markets.
• Finance drives the reporting, the strategic analysis and the financial operations to make FairMoney’s mission possible.

Key Responsibilities

• Planning and analysis, including:
• Accurate and high-quality reporting, budgeting, and forecasting.
• Detailed P&L, balance sheet, and cash flow analysis.
• Project management – managing internal stakeholders, presenting data-driven recommendations, and assisting with execution.
• Collaborate with business unit leaders and CFOs to develop and implement initiatives to optimize the efficiency and effectiveness of the FP&A function, including:
• Development of long-term financial plans, budgets, and forecasts in alignment with corporate objectives and market trends.
• Development of new insightful reporting and shifting of FP&A focus from data analytics to actionable insights
• Development, implementation, and improvement of processes, including:
• Incremental improvements and process re-design of the annual group budgeting process.
• Developing and enhancing the internal reporting processes.
•  Collaborate with the M&A / investor relations team to:
• Ensure accurate and timely investor, board, and stakeholder reporting
• Provide transaction and M&A support, including ad-hoc analysis and reporting as required
• Provide mentorship and guidance to the finance team, ensuring the production of high-quality management information and analysis promptly.

Requirements

• 5+ years of experience as a Finance Manager or FP&A Manager in a multinational environment (preferably banking, financial services, or tech).
• Good to have relevant professional qualifications – (CFA, CPA, ACCA, etc.)
• A first principles thinker who keenly analyses information with a view to simplifying and solving complex problems.
• Experience building and maintaining financial models and driving business decision support
• Advanced proficiency in financial modelling, Excel, and other analytical tools; experience with SQL will be an added advantage.
• Good level of business and commercial acumen.
• Excellent communicator (written and verbal) and relationship builder; hands-on and self-driven, not in need of high oversight and supervision, with a keen eye for detail.
• Proactive and goal-oriented.
• Experience in preparing professional reports and presentations.
• Project management skills.

Benefits

• Private Health Insurance.
• Pension Plan.
• Paid Time Off.
• Hybrid Work Model.
• Training & Development.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online