Portfolio Risk Lead (Fintech)

Portfolio Risk Lead, Plata Card

We are looking for a Portfolio Risk Lead. We’re launching a new business line in Mexico and looking for a strong leader to own credit risk end-to-end. You’ll set the risk vision, design frameworks, build and lead the team, and ensure sustainable portfolio growth while keeping losses under control. Day-to-day responsibilities:

• Build from scratch: design credit origination policy, limit setting, pricing guardrails, early-warning triggers, and collections feedback loops
• Own risk metrics: manage risk appetite and ensure portfolio performance stays within it; maintain live dashboards and explain drivers of metric changes
• Portfolio analytics: perform segmentation, stress-testing, cohort analysis, and vintage tracking
• Team leadership: recruit, mentor, and develop analysts; foster a data-driven and experimentation-focused culture
• Cross-functional collaboration: embed risk controls in product specifications, customer journeys, and work closely with finance and 2nd line of defence teams

Requirements

The ideal candidate

• 3+ years in credit risk management focused on retail or consumer lending portfolios (banking or fintech)
• Strong understanding of scorecard design, ML techniques, and alternative data for credit decisioning
• Proficient in SQL and Python/R with hands-on experience working with data
• Proven leadership experience — managed teams, set OKRs, and developed analysts
• Bachelor’s degree in Finance, Economics, Engineering, or Mathematics; MBA or CFA is a plus
• Strong technical or quantitative background with a strategic mindset
• B1 or higher English level for effective communication with an international team

Conditions

Our ways of working:

• Innovative Spirit: a commitment to creativity and groundbreaking solutions
• Honest Feedback: valuing open, transparent communication
• Supportive Team: a strong, collaborative community
• Celebrating Achievements: recognizing our wins together
• High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances Our benefits:
• Relocation support to Mexico with assistance for the employee and their family
• Flexible work: hybrid or full-time from our office in Mexico
• Healthcare Coverage
• Education Budget: Language lessons, professional training and certifications
• Wellness Budget: Mental health and fitness activity reimbursements
• Vacation policy: 20 days of annual leave and paid sick leave View more Job type | Full-time ---|--- Experience level | Senior Arrangement | Hybrid Apply Ask a question Share vacancy Published: 10/09/2026

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