Senior Business Analyst, Credit & Analytics

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

📋 Description

• Lead the integration and validation of external data sources, which include credit bureaus, bank and open finance data, as well as tax and financial data.

• Take ownership of cleaning up customer data consents and connections to ensure reliable and compliant data access and refreshes.

• Transform manual credit and portfolio processes into repeatable, documented workflows utilizing SQL and Python.

• Establish data quality checks and maintain relevant documentation.

• Develop and enhance underwriting criteria and credit limit strategies by leveraging both internal and external data.

• Create customer management strategies that encompass credit line increases, decreases, and reinstatements.

• Identify high-risk customers and establish loss-mitigation processes.

• Collaborate with Sales and Business Development to ensure alignment between growth strategies and credit policy.

• Define portfolio KPIs and construct dashboards to monitor portfolio health and performance of strategies.

• Create early-warning signals and monitoring routines for accounts that are deteriorating.

• Provide Collections with insights for segmentation and prioritization.

• Contribute to loss forecasting and risk-adjusted return analysis in conjunction with Finance.

• Utilize statistical methods like logistic regression, segmentation, and clustering.

• Develop, validate, and oversee credit risk models.

• Assist in defining rules and data requirements for automated credit decision-making in collaboration with Product and Engineering.

• Translate model outcomes into actionable recommendations for credit leadership and business partners.

• Employ AI tools to enhance analysis, verify outputs against source data, and optimize AI workflows.

• Collaborate with data science, engineering, product, collections, and sales; note that this is an individual contributor position rather than a management role.

⛳️ Requirements

• 3–7 years of analytics experience in credit risk, particularly with hands-on involvement in commercial or SMB credit within cards, payments, lending, or a related sector.

• Advanced proficiency in SQL; capable of writing queries against large, complex datasets and ensuring data quality validation.

• Working knowledge of Python for analysis and statistical modeling, including regression, segmentation, and clustering.

• Familiarity with version control systems like GitHub is an advantage.

• Ability to operate independently and take ownership of tasks.

• Direct experience with external or alternative data sources, particularly in terms of integration or cleaning.

• Experience using AI tools such as Claude, ChatGPT, or Gemini in analytical contexts.

• Proven success in translating analysis into implemented credit policies or strategic changes that yield measurable outcomes.

• Strong written and verbal communication skills with non-technical stakeholders.

• Professional fluency in English.

• Willingness to work with significant overlap with Latin American business hours.

• Preferred knowledge of Latin American credit data and open finance ecosystems.

• Experience in implementing, validating, or monitoring risk and scoring models in collaboration with data science teams is preferred.

• Familiarity with collections strategy or early-warning programs is preferred.

• Experience with visualization tools like Tableau, Metabase, or Claude Visualization Tools is preferred.

• Fluency in Spanish and/or Portuguese is preferred.

• Experience in a high-growth startup or fintech environment is preferred.

🏝️ Benefits

• Comprehensive health, dental, and vision insurance.

• Flexible working hours and remote work options.

• Opportunities for professional development and career advancement.

• Collaborative and innovative work environment.

• Competitive salary and performance-based bonuses.