Portfolio Risk Manager (Fintech)

TL;DR

Portfolio Risk Manager (Fintech): Designing and owning credit risk frameworks end-to-end for a new business line in Mexico with an accent on credit origination policy, risk metrics, and portfolio analytics. Focus on building a risk team from scratch, implementing ML-based scorecards, and ensuring sustainable portfolio growth.

Location: Hybrid or onsite in Mexico. Relocation support is available.

Salary: from 7 500 €/month gross

Company

A high-tech fintech company launching a new business line in Mexico to challenge traditional financial incumbents.

What you will do

• Design credit origination policy, limit setting, pricing guardrails, and collections feedback loops from scratch.
• Manage risk appetite, maintain live dashboards, and analyze drivers of metric changes.
• Perform portfolio analytics, including segmentation, stress-testing, cohort analysis, and vintage tracking.
• Recruit, mentor, and develop a team of analysts, fostering a data-driven culture.
• Embed risk controls into product specifications and customer journeys in collaboration with finance and defense teams.

Requirements

• 3+ years of experience in credit risk management for retail or consumer lending in banking or fintech.
• Strong knowledge of scorecard design, ML techniques, and alternative data for credit decisions.
• Proficiency in SQL and Python or R for hands-on data work.
• Proven leadership experience in managing teams and setting OKRs.
• Bachelor's degree in Finance, Economics, Engineering, or Mathematics.
• English: B1 level or higher required for international communication.

Culture & Benefits

• Relocation support to Mexico for the employee and their family.
• Flexible work options: hybrid or full-time office presence.
• Comprehensive healthcare coverage.
• Education budget for language lessons, professional training, and certifications.
• Wellness budget for mental health and fitness activities.
• 20 days of annual leave and paid sick leave.