Risk Portfolio Manager, LatAm

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 overall profitability.

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

• Establish and monitor key business metrics such as loss rates, yield/profitability, portfolio construction, and overall portfolio health.

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

• Utilize statistical reasoning to address portfolio inquiries.

• Collaborate closely with the business team, engaging in client interactions.

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

• Automate the monitoring 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 environment with actual lending/credit exposure.

• Practical underwriting experience, preferably with large/high-ticket merchant credit.

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

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

• Strong understanding of statistics, data analysis, and fundamentals of model interpretation.

• Familiarity with AI tools is an advantage.

• Experience collaborating with US or Latin American teams across various time zones and cultures is highly valued.

• Relevant experience in corporate/B2B card underwriting with high limits.

• Credit/lending experience and cultural fit are essential for candidates from traditional or corporate backgrounds.

🏝️ Benefits

• Eligible team members have the opportunity to take part in R2’s Phantom Share Program, a performance-based incentive that aligns with the company’s long-term success and value creation.

• Opportunity to join a high-impact, mission-driven fintech company with regional scale.

• Responsibility for the tools and automation that support R2’s control environment.

• Cross-functional collaboration with outstanding teams throughout Latin America.

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