Portfolio Risk Manager (Fintech)

TL;DR

Portfolio Risk Manager (Fintech): Designing and owning the end-to-end credit risk framework for a new business line in Mexico with an accent on credit origination policy, limit setting, and portfolio growth. Focus on building risk metrics from scratch, performing complex cohort analysis and stress-testing, and leading a team of risk analysts.

Location: Must be based in or be able to relocate to Mexico (Hybrid or Onsite)

Company

Fintech company launching a new business line in Mexico focused on challenging the status quo of incumbent finances.

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 advanced portfolio analytics, including segmentation, stress-testing, and vintage tracking.
• Recruit, mentor, and develop a team of analysts, fostering a data-driven culture.
• Collaborate cross-functionally to embed risk controls in product specifications and customer journeys.

Requirements

• 3+ years of experience in product or credit risk management for retail or consumer lending (banking or fintech).
• Strong understanding of scorecard design, ML techniques, and alternative data for credit decisioning.
• Proficiency in SQL and Python or R with hands-on data experience.
• 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 communication with an international team.

Nice to have

• MBA or CFA certification.

Culture & Benefits

• Relocation support to Mexico for the employee and their family.
• Flexible work arrangement (hybrid or full-time from office).
• Comprehensive healthcare coverage.
• Education budget for language lessons and professional certifications.
• Wellness budget for mental health and fitness activity reimbursements.
• Vacation policy including 20 days of annual leave and paid sick leave.