This is a fully remote position, open to applicants in Guatemala.

📋 Description

• Design and implement a comprehensive risk strategy for credit card products and revolving credit lines.

• Manage risk criteria throughout the credit lifecycle, including initial application assessment, underwriting, limit assignment, increases, reductions, portfolio monitoring, and collections.

• Develop risk models, algorithms, and automated decision rules using Python, SQL, and various information sources.

• Define and implement credit policies and methodologies aligned with IFRS 9 to enhance risk management and portfolio performance.

• Analyze portfolio behavior to identify trends, risk segments, growth opportunities, and early warning signals of deterioration.

⛳️ Requirements

• Minimum of 5 years of experience in designing and implementing risk strategies for credit cards, particularly for products with revolving credit lines.

• Proven experience in the complete credit cycle, including origination, underwriting, limit assignment, line increases and reductions, portfolio monitoring, and collections strategies.

• Experience in developing risk models, credit policies, and automated decision rules.

• Practical knowledge and application of IFRS 9 in credit risk analysis, policies, or management.

• Advanced proficiency in Python and SQL for querying databases, analyzing information, developing algorithms, and automating risk decisions.

• Experience in designing or evaluating A/B experiments aimed at improving profitability and controlling delinquency.

• Professional command of English is essential.