Senior Business Analyst, Credit & Analytics

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

📋 Description

• Oversee the integration and validation of external data sources, including credit bureaus, bank and open finance data, tax data, and financial data.

• Collaborate with engineering teams on data pipelines and ensuring data quality.

• Streamline customer data consents and connections to ensure reliable and compliant access to external data.

• Transition manual credit and portfolio processes into repeatable, well-documented SQL/Python workflows.

• Establish data quality checks and maintain documentation.

• Develop and enhance underwriting criteria and credit limit strategies.

• Create customer management strategies, including adjustments to credit lines, such as increases, decreases, and reinstatements.

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

• Collaborate with Sales and Business Development to align growth strategies with credit policies.

• Define portfolio KPIs and create dashboards.

• Develop early-warning signals and monitoring routines.

• Provide Collections with insights for segmentation and prioritization.

• Contribute to loss forecasting and risk-adjusted return analysis alongside Finance.

• Utilize statistical methods to pinpoint risk drivers and inform strategic decisions.

• Develop, validate, and monitor credit risk models.

• Help establish rules and data requirements for automated credit decision-making.

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

• Employ AI tools to assist in analysis and verify outputs against source data.

• Propose and assist in enhancing AI workflows.

⛳️ Requirements

• 3–7 years of analytics experience in credit risk, with practical experience in commercial or SMB credit within cards, payments, lending, or a related field.

• Advanced proficiency in SQL.

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

• Familiarity with version control systems (e.g., GitHub) is an advantage.

• Direct experience with external or alternative data sources, preferably including their integration or cleansing.

• Experience in utilizing AI tools such as Claude, ChatGPT, or Gemini in analytical tasks.

• Proven success in turning analysis into implemented credit policies or strategic changes with measurable outcomes.

• Strong written and verbal communication skills.

• Professional fluency in English.

• Ability 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 is preferred.

• Experience in supporting collections strategies or early-warning programs is preferred.

• Familiarity with visualization tools such as 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

• Competitive salary and performance-based bonuses.

• Comprehensive health benefits package.

• Flexible working hours and remote work options.

• Opportunities for professional development and career advancement.

• Collaborative and innovative work environment.