[Remote] Principal Analyst - Credit Risk

Note: The job is a remote job and is open to candidates in USA. reputed company is a company building a financial ecosystem for Latin immigrants in the U.S., focusing on revolutionizing remittances. The Principal Analyst for Loss Mitigation & Forecasting will be responsible for developing loss mitigation strategies, forecasting portfolio losses, and optimizing recovery from non-performing loans, playing a crucial role in the Consumer Lending business.

Responsibilities

• Loss Mitigation Strategy: Architect and execute reputed company loss mitigation strategies to optimize collections, and recoveries for bad loans
• Conversational Operations Alignment: Partner directly with the Operations team to define automated contact strategies, determining ideal customer methods and friction-free touchpoints (utilizing WhatsApp, automated flows, and omnichannel systems)
• Predictive Collections Modeling: Collaborate with the Data/Analytics Engineering team to build advanced collections models (e.g., propensity-to-pay scorecards) to optimize and prioritize resources for maximum recovery ROI
• Loss Forecasting & Resiliency: Build and own loss forecasting models(CECL methodology) establishing corporate capital resiliency measures
• Budgeting & reputed company Planning: Formally manage and report on the organization's credit loss budget and operational reputed company planning to the C-suite
• Vendor Evaluation & Procurement: reputed company the evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software solutions

Skills

• 5+ years of proven quantitative experience in Credit Risk Analytics, with a definitive specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/Provisioning
• Exceptional, hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling (Python or R). You are completely independent in building your own data structures
• Deep understanding of modern collections tech; bonus points if you have designed recovery frameworks reputed company digital/conversational channels (WhatsApp/SMS ecosystems)
• Expert capability to present technical risk data and financial impacts smoothly to the C-suite, founders, and bank sponsors
• Proven history of steering large cross-functional initiatives independently, discovering the problems that need solving without a roadmap

Benefits

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
• reputed company learning opportunities
• Unlimited PTO
• Paid parental leave
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Company Overview

Company H1B Sponsorship