Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid
What you'll do
We’re looking for a Credit Risk Expert to work with a high-performing team of risk specialist and experts in building advanced and strong predictive credit risk analysis working with risk models and a lot of useful information. This role works hand-in-hand with Operations, finance and data teams, playing a pivotal part in shaping the company’s business strategy.
You’ll be responsible for driving innovation, improving credit decision-making, supporting the developing of regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler.
Your responsibilities will include:
Support modeling initiatives, collaborating across teams to align with business and risk goals
Drive innovation in data science analysis to enhance decision-making and operational efficiency
Provide data intelligence and analytics to support credit risk strategies and portfolio performance
Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses)
Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations
Own the Risk MIS: monitor risk policies, model outcomes and performance of risk credit matters
Identify and implement process enhancements to improve efficiency, scalability, and outcomes
Communicate findings and recommendations clearly to senior leadership and key stakeholders
Non-negotiable Requirements:
Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design
Proven strong experience in credit risk management in Latin American markets
Advanced proficiency in SQL and data visualization tools
High attention to data quality and integrity, especially within financial datasets
Proficient in sql or other common modeling languages
Fluency in english is required
Main professional skills:
Strong project management and cross-functional coordination skills of high-impact data science or modeling projects
Hands-on experience in credit risk portfolio management
Proficient in using robust data as input of data driven analysis pipelines and model architectures
Strong skills in predictive analytics and business-driven model design
Experienced in model monitoring, backtesting, and performance evaluation
Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses
Passion for working in teamwork, independence and going to extra mile
You'll get some high value extra points if you have:
Fintech industry experience, ideally in fast-paced, high-growth environments
Experience navigating financial audits, understanding documentation and compliance expectations
Understanding of financial conciliation processes and operational finance systems
Exposure to credit card and payments ecosystems
A collaborative, solution-oriented mindset with a passion for building from scratch
Familiarity with Latin American regulatory and compliance standards
Comfortable using modern collaboration tools (Slack, Notion, etc.)
Experience in credit risk in Latinamerica working with B2B solutions