Portfolio Manager – Underwriting

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

📋 Description

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

• Assess and underwrite high-value merchant credit facilities on a large scale, particularly those ranging from USD 100K to 200K and above.

• Establish and monitor business metrics that encompass loss, yield/profitability, portfolio construction, and overall portfolio health.

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

• Employ statistical reasoning to address portfolio-related inquiries.

• Collaborate closely with the business team and manage client interactions effectively.

• Synthesize findings and convert them into presentations for broader audiences.

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

• Manage the credit portfolio while fostering a quantitative relationship with the business.

• Identify risks and uncover trends within extensive datasets.

⛳️ Requirements

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

• Experience in a fintech, payment processing, point-of-sale (POS) provision, or banking sector with practical lending/credit exposure.

• Practical underwriting experience, preferably with high-value merchant credit.

• Capability to operate at scale through mass evaluations instead of performing manual case-by-case reviews.

• Robust data analysis skills using SQL and/or Python.

• Proficiency in statistical and data literacy, including comfort with statistics, data analysis, and model interpretation essentials.

• Familiarity with AI tools is an added advantage.

• Ability to excel in a dynamic, startup-like atmosphere.

• Prior experience collaborating with teams in the US or Latin America across various time zones and cultures is highly desirable.

• Experience with corporate or B2B cards is a plus, particularly in underwriting corporate cards with high limits such as USD 1M and above.

• Candidates from traditional or corporate backgrounds, including large banks, are encouraged to apply if they possess relevant credit/lending experience and cultural compatibility.

🏝️ Benefits

• An opportunity to join a mission-driven fintech with a significant impact.

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

• Collaboration across functions with outstanding teams.

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

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