Risk Analyst

About the role

You'll work alongside our Head of Risk on the credit policy that gates every disbursement. We currently approve 78% of applicants; your job is to push that number while keeping the 30-day default rate where it is (under 2%).

Day-to-day, you live in SQL and a Jupyter notebook — but you also spend a Wednesday a month at a workshop, watching what actually happens when a repair quote turns into a real bill.

What you'll do

• Build, monitor and tune scoring features — bank-statement signals, BVN history, vehicle data, workshop track-record.
• Write the weekly portfolio review: vintage curves, segment performance, exception drivers.
• Run A/B-style policy experiments and write them up so the rest of the team understands the trade-off.
• Own one piece of the recovery pipeline (e.g. early-stage delinquency outreach script).
• Stay a sceptic — you push back when product wants to over-extend an offer.

What we're looking for

• 3+ years in credit, lending, or quantitative analytics — bank, fintech, or insurance.
• Strong SQL. Comfortable in Python (pandas, scikit-learn) or R.
• You can read a regulatory letter (CBN, FCCPC, NDPC) and translate it into a product change.
• A real point of view on credit — and the humility to update it when the data disagrees.

Bonus points

• Familiar with NCRA / CRC bureau data formats.
• Built a champion-challenger framework before.
• Speaks one Nigerian language fluently — you will use it in workshop visits.

The team

Reports into Ngozi Okeke (Head of Risk). Pairs with the backend team, head of operations, and general counsel.

The hiring process

1. 01
   ApplicationA note to jobs@montaripay.com — your CV, what you'd do, what you want to learn.
2. 02
   Intro call30 minutes with the hiring manager. We talk about the role, you ask anything.
3. 03
   Take-home or pairingA small, paid task that mirrors something we actually shipped recently. Two-hour cap.
4. 04
   Onsite loopA 3-hour day at the V.I. office (or full-day on Zoom). You meet your future teammates.
5. 05
   OfferA written offer with comp, equity and start date — within 48 hours of the loop.