Principal Analyst - Credit Risk

Responsibilities

• Loss Mitigation Strategy: Architect and execute next-generation loss mitigation strategies to optimize collections, and recoveries for bad loans.
• Conversational Operations Alignment: Partner directly with the Operations team to define automated contact strategies, determining ideal customer methods and friction-free touchpoints (utilizing WhatsApp, automated flows, and omnichannel systems).
• Predictive Collections Modeling: Collaborate with the Data/Analytics Engineering team to build advanced collections models (e.g., propensity-to-pay scorecards) to optimize and prioritize resources for maximum recovery ROI.
• Loss Forecasting & Resiliency: Build and own loss forecasting models(CECL methodology)  establishing corporate capital resiliency measures. 
• Budgeting & Capacity Planning: Formally manage and report on the organization's credit loss budget and operational capacity planning to the C-suite.
• Vendor Evaluation & Procurement: Lead the evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software solutions.

• Elite Credit Risk Background: 5+years of proven quantitative experience in Credit Risk Analytics, with a definitive specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/Provisioning.
• Technical Sovereignty: Exceptional, hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling (Python or R). You are completely independent in building your own data structures.
• Collections Innovation: Deep understanding of modern collections tech; bonus points if you have designed recovery frameworks within digital/conversational channels (WhatsApp/SMS ecosystems).
• High-Level Communication: Expert capability to present technical risk data and financial impacts smoothly to the C-suite, founders, and bank sponsors.
• Extreme Ownership & Autonomy: Proven history of steering large cross-functional initiatives independently, discovering the problems that need solving without a roadmap.
• These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

• 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