Credit Card Risk Analytics Lead

This is a fully remote position, open to applicants in Peru, +3 more countries.

📋 Description

• Ensure that the portfolio growth remains within the approved risk appetite, making evidence-based decisions, controlling expected losses, and grounding IFRS 9 provisions.

• Establish Credit Card Risk Analytics as a scalable function by defining standards, model governance, and the foundation of the analytical team.

• Design and lead the digital underwriting strategy, including eligibility criteria, risk segmentation, score cut-offs, and exclusion rules.

• Define the logic for the initial credit limit assignment by segment.

• Build and maintain the portfolio monitoring suite, including vintage curves, roll rates, flow-to-loss, 30+/60+/90+ DPD, utilization, revolving/transactional mix, payment rates, overdraft, and net losses.

• Translate strategies into productive decision rules in collaboration with Engineering, drafting specifications, test cases, and pre- and post-deployment validations.

⛳️ Requirements

• Bachelor's degree in Business Administration, Finance, Industrial Engineering, or related fields.

• 5 years of experience in consumer credit risk analysis within fintech, cards, or retail banking.

• Experience in underwriting, behavioral scoring, or portfolio management, with rules implemented in production.

• Experience in building or scaling an analytical function or data team (preferred).

• Knowledge of risk modeling and credit strategy.

• Familiarity with IFRS 9: expected credit loss (ECL).

• Advanced Python and SQL skills (pandas, scikit-learn).

• Experiment design and A/B testing experience.

• Advanced English proficiency.

🏝️ Benefits

• Opportunity to be part of a leading and growing Fintech.

• Contractor or Professional Services modality.

• Professional development.