Associate Portfolio Manager

This is a fully remote position, open to applicants in United States, +4 more countries.

📋 Description

• Conduct comprehensive reviews of Large Loans applications from start to finish utilizing transactional, credit bureau, financial, and tax data.

• Make decisions to approve, reject, or propose counter-offers for applications and present these outcomes in committee meetings.

• Manage credit exceptions and counter-offers related to Large Loans and Long Tail.

• Analyze requests, determine the appropriate action or escalate, and ensure merchants receive timely responses.

• Take ownership of the underwriting pipeline specifically for Large Loans.

• Provide support to the Product Manager and Commercial teams on merchant cases raised by partners.

• Oversee the weekly and monthly analysis of the Large Loans portfolio, including metrics on originations, early delinquency, roll rates, non-performing loans (NPL), and concentration by partner, country, and merchant.

• Monitor large exposures post-disbursement and identify early warning indicators.

• Validate the monthly offer batch for each partner before release.

• Report on portfolio status, key performance indicators (KPIs), and targets during Credit committee meetings.

• Analyze segment performance based on cohort, partner, ticket size, industry, and risk profile.

• Identify patterns that enhance segment risk-return and detect early signals of default.

• Formulate concrete policy proposals for discussion in portfolio and credit strategy reviews.

• Perform analysis utilizing AI tools, validate the outputs against data, and draw conclusions.

⛳️ Requirements

• Minimum of 2 years of experience in credit analysis, underwriting, or credit risk within a fintech, bank, or lending institution.

• Proficient in interpreting credit bureau reports, financial statements, and tax documentation.

• Familiar with portfolio metrics such as delinquency, roll rates, cohort/vintage analysis, and loss rates.

• Intermediate knowledge of SQL and basic proficiency in Python.

• Fluent in both written and spoken English.

• Possess sound judgment within a defined risk appetite.

• Demonstrate curiosity about data and the ability to investigate changes in metrics.

• Organized and dependable when managing recurring processes and service levels.

• Bonus: Experience in revenue-based financing, embedded lending, or merchant cash advance.

• Bonus: Familiarity with credit bureau reports and SII tax documentation.

• Bonus: Understanding of the Latin American payments or acquiring market.

• Bonus: Experience in building dashboards, such as using Tableau.

• Bonus: Proficiency in Spanish or Portuguese.

🏝️ Benefits

• Eligible team members may engage in R2’s Phantom Share Program, a performance-based incentive that aligns with the company's long-term success and value creation.

• Opportunity to be part of a high-impact, mission-driven fintech.

• Gain ownership and influence within a dynamic, growth-oriented startup.

• Collaborate across functions with outstanding teams.

• Gain exposure to complex regulatory challenges and innovations in embedded finance.