Description

Why this role matters:

We're launching a new business line in Colombia and looking for a strong leader to own credit risk end-to-end. You'll set the risk vision, design frameworks, build and lead the team, and ensure sustainable portfolio growth while keeping losses under control.

Day-to-day responsibilities:

• Build from scratch: design credit origination policy, limit setting, pricing guardrails, early-warning triggers, and collections feedback loops
• Own risk metrics: manage risk appetite and ensure portfolio performance stays within it; maintain live dashboards and explain drivers of metric changes
• Portfolio analytics: perform segmentation, stress-testing, cohort analysis, and vintage tracking
• Cross-functional collaboration: embed risk controls in product specifications, customer journeys, and work closely with finance and 2nd line of defence teams

The ideal candidate

• 3+ years in credit risk and other data-driven areas (finance/collection/production analytics/data science) in retail or consumer lending portfolios (banking or fintech)
• Strong understanding of scorecard design, and alternative data for credit decisioning
• Proficient in SQL and Python with hands-on experience working with data
• Knowledge sharing, dashboard creation, data visualization, and presentation skills
• Fundamentals of financial mathematics and profitability components and accounting principles
• Nice to have: Bachelor's degree in Finance, Economics, Engineering, or Mathematics; MBA or CFA is a plus
• Strong technical or quantitative background with a strategic mindset
• B1 or higher English level for effective communication with an international team
• Spanish language proficiency will be an advantage

Our ways of working:

• Innovative Spirit: a commitment to creativity and groundbreaking solutions
• Honest Feedback: valuing open, transparent communication
• Supportive Team: a strong, collaborative community
• Celebrating Achievements: recognizing our wins together
• High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances

Our benefits:

• Relocation support to Colombia with assistance for the employee and their family
• Flexible work: hybrid or full-time from our office in Colombia
• Healthcare Coverage
• Education Budget: Language lessons, professional training and certifications
• Wellness Budget: Mental health and fitness activity reimbursements
• Vacation policy: 20 days of annual leave and paid sick leave