Senior Business Analyst, Credit & Analytics

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

📋 Description

• Lead the integration and validation of external credit bureau, banking, open finance, tax, and financial data sources.

• Take ownership of the cleanup of customer data consents and connections to ensure reliable and compliant data access.

• Replace manual credit and portfolio processes with well-documented SQL/Python workflows.

• Define data quality checks and maintain comprehensive documentation.

• Develop and enhance underwriting criteria and credit limit strategies.

• Design strategies for customer management, including 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 create dashboards to track portfolio health and strategy performance.

• Build early-warning signals and monitoring routines for accounts showing signs of deterioration.

• Provide insights for Collections regarding segmentation and prioritization.

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

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

• Develop, validate, and monitor credit risk models.

• Assist in defining rules and data requirements for automated credit decisioning alongside Product and Engineering teams.

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

• Utilize AI tools in analysis, verify outputs against source data, and enhance AI workflows.

• Collaborate with data science, engineering, product, collections, and sales teams.

⛳️ Requirements

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

• Advanced proficiency in SQL, including the ability to query large, complex datasets and ensure data quality.

• Proficient in Python for analysis and statistical modeling, including regression, segmentation, and clustering techniques.

• Direct experience working with external or alternative data sources such as bureau, banking, open finance, or tax data.

• Familiarity with AI tools such as Claude, ChatGPT, or Gemini in analytical tasks.

• Proven track record of converting analysis into implemented credit policy or strategy changes that yield measurable outcomes.

• Strong written and verbal communication skills.

• Professional fluency in English.

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

• Knowledge of Latin American credit data and open finance ecosystems is preferred.

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

• Experience supporting collections strategy 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

• Full-time remote position.