Portfolio Manager

This is a fully remote position, open to applicants in Brazil, +1 more country.

📋 Description

• Take charge of overseeing the credit portfolio, which includes analyzing vintages, losses, originations, non-performing loans (NPL) by cohort, and overall profitability.

• Assess and underwrite high-value merchant credit facilities ranging from USD 100K to 200K and above at scale.

• Establish and monitor metrics related to loss, yield/profitability, portfolio construction, and overall portfolio health.

• Independently extract, structure, and analyze portfolio data utilizing SQL.

• Utilize statistical reasoning to address portfolio-related inquiries.

• Collaborate closely with the business team while managing client interactions.

• Develop insights and convert them into presentations for broader audiences.

• Automate the tracking of key performance indicators (KPIs) for the portfolio.

⛳️ Requirements

• Around 7 years of experience in credit, lending, credit risk, business analytics, or within a lending institution.

• Experience in a fintech, payment processing, POS provision, or banking sector with real lending/credit exposure.

• Practical underwriting experience, preferably with large/high-ticket merchant credit, and the capability to operate at scale.

• Proficient in data analysis using SQL and/or Python.

• Strong statistical/data literacy and familiarity with fundamental statistics, data analysis, and model interpretation.

• Familiarity with AI tools is an added advantage.

• Ability to excel in a fast-paced, dynamic startup environment.

• Previous experience collaborating with US or LatAm teams across different time zones and cultures is highly valued.

• Experience in underwriting corporate/B2B cards with high limits is considered a relevant bonus.

• Candidates with traditional/corporate backgrounds, including experience in large banks, are encouraged to apply if they possess credit/lending experience and fit the company culture.

🏝️ Benefits

• An opportunity to be part of a high-impact, mission-driven fintech organization.

• Ownership and influence in a fast-paced, growth-oriented startup environment.

• Cross-functional collaboration with outstanding teams.

• Exposure to intricate regulatory challenges and innovation in embedded finance.

• Eligible team members can participate in R2’s Phantom Share Program, a performance-driven incentive aimed at aligning the team with the company’s long-term success and value creation.