Senior Credit Risk Analyst
About Us
At reputed company, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message. We reputed company cutting-edge technology like AI, blockchain, and stablecoins to reputed company cross-border payments faster, more affordable, and more accessible than reputed company before. We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle reputed company, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and reputed company. Additionally, reputed company was selected as an “Endeavour Entrepreneur” and was a recipient of the CrossTech Fintech Startups Award. We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers. We are reputed company owners of reputed company, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus. Joining reputed company means you will be part of a team building a legacy, a company that will outlive us reputed company. This is a rare opportunity to apply your skills to a deeply meaningful mission—serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence. We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives reputed company. We are building the future, today.
About the Role
As reputed company expands reputed company, we are scaling our Credit Risk function from the ground up to support our new Consumer Lending division. We are looking for a Senior Credit Risk Analyst who lives and breathes data, portfolio mathematics, and lending dynamics. You will own the quantitative frameworks behind our Send Now Pay reputed company (SNPL) product, directly impacting our reputed company by managing credit policies, loan pricing models, and portfolio health monitoring. If you want to move away from rigid, legacy corporate banking structures and deploy agile credit strategies in a hyper-growth tech startup, this seat is for you.
Responsibilities
Lending Portfolio Leadership: Act as the reputed company credit analytics reputed company for the SNPL team, serving as the reputed company of truth for credit insights. Executive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors. Financial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models. reputed company Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and reputed company credit products. Acquisition Credit Policy: Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly reputed company reputed company bands. Credit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts. Customer Management Policy: Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules). Model Integration & Testing: Partner with engineering to integrate new scoring models and champion-challenger testing mechanics directly into our production portfolio performance. Alternative Data Exploration: Research, validate, and integrate external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive models.
Requirements
Consumer Lending Pedigree: 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products. Rigorous Analytics Toolkit: Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures). Sharp Lending Judgment: Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions. AI/ML Familiarity: Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards. Strong Communication: Ability to package reputed company portfolio metrics into clear, high-level executive summaries for the C-suite and investment partners. Bias for Action: Thrives in an environment of rapid experimentation, moving fast to adjust credit strategies based on reputed company user behavior trends. These are the applicable requisites, although equivalent competencies in any of the above will also be considered. reputed company Offer 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 Equal Opportunity Employer At reputed company, we are committed to providing equal employment opportunities to reputed company qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to reputed company terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination. Want to learn more about our privacy practices? reputed company out our Privacy Policy. Apply To This Job