[Remote] Senior Credit Risk Analyst

Note: The job is a remote job and is open to candidates in USA. Félix is building a financial ecosystem for Latin immigrants in the U.S. and is seeking a Senior Credit Risk Analyst to lead the Credit Risk function for their new Consumer Lending division. The role involves managing credit policies, loan pricing models, and portfolio health monitoring to support the company's growth in a hyper-growth tech startup environment.

Responsibilities

• Lending Portfolio Leadership: Act as the lead credit analytics owner for the SNPL team, serving as the source of truth for credit insights
• Executive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors
• Financial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models
• Framework Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and future digital credit products
• Acquisition Credit Policy: Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly within target bands
• Credit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts
• Customer Management Policy: Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules)
• Model Integration & Testing: Partner with engineering to integrate new scoring models and champion-challenger testing mechanics directly into our production portfolio performance
• Alternative Data Exploration: Research, validate, and integrate external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive models

Skills

• 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products
• Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures)
• Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions
• Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards
• Ability to package complex portfolio metrics into clear, high-level executive summaries for the C-suite and investment partners
• Thrives in an environment of rapid experimentation, moving fast to adjust credit strategies based on instant user behavior trends
• These are the applicable requisites, although equivalent competencies in any of the above will also be considered

Benefits

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Company Overview

Company H1B Sponsorship