About the RoleAs Félix expands nationwide, we are scaling our Credit Risk function from the ground up to support our new Consumer Lending division. We are looking for a
Senior Credit Risk Analyst who lives and breathes data, portfolio mathematics, and lending dynamics. You will own the quantitative frameworks behind our Send Now Pay Later (SNPL) product, directly impacting our bottom line by managing credit policies, loan pricing models, and portfolio health monitoring. If you want to move away from rigid, legacy corporate banking structures and deploy agile credit strategies in a hyper-growth tech startup, this seat is for you.
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.
Requirements- Consumer Lending Pedigree: 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products.
- Rigorous Analytics Toolkit: Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures).
- Sharp Lending Judgment: Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions.
- AI/ML Familiarity: Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards.
- Strong Communication: Ability to package complex portfolio metrics into clear, high-level executive summaries for the C-suite and investment partners.
- Bias for Action: 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.
What We Offer- Competitive salary
- Initial stock options grant
- Annual performance bonus
- Health, dental, and vision plans
- Continuous learning opportunities
- Unlimited PTO
- Paid parental leave
- Empowering opportunities for growth in a dynamic entrepreneurial environment
