[Remote] Principal Analyst - Credit Risk

Note: The job is a remote job and is open to candidates in USA. Félix is a company building a financial ecosystem for Latin immigrants in the U.S., focusing on revolutionizing remittances. The Principal Analyst for Loss Mitigation & Forecasting will be responsible for developing loss mitigation strategies, forecasting portfolio losses, and optimizing recovery from non-performing loans, playing a crucial role in the Consumer Lending business.ResponsibilitiesLoss Mitigation Strategy: Architect and execute next-generation loss mitigation strategies to optimize collections, and recoveries for bad loansConversational 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 ROILoss Forecasting & Resiliency: Build and own loss forecasting models(CECL methodology) establishing corporate capital resiliency measuresBudgeting & Capacity Planning: Formally manage and report on the organization's credit loss budget and operational capacity planning to the C-suiteVendor Evaluation & Procurement: Lead the evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software solutionsSkills5+ years of proven quantitative experience in Credit Risk Analytics, with a definitive specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/ProvisioningExceptional, hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling (Python or R). You are completely independent in building your own data structuresDeep understanding of modern collections tech; bonus points if you have designed recovery frameworks within digital/conversational channels (WhatsApp/SMS ecosystems)Expert capability to present technical risk data and financial impacts smoothly to the C-suite, founders, and bank sponsorsProven history of steering large cross-functional initiatives independently, discovering the problems that need solving without a roadmapBenefitsCompetitive salaryInitial stock options grantAnnual performance bonusHealth, dental, and vision plansRemote 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 opportunitiesUnlimited PTOPaid parental leaveEmpowering opportunities for growth in a dynamic entrepreneurial environmentCompany OverviewFélix is ​​a chat-based platform that enables Latinos in the US to send money abroad. It was founded in 2020, and is headquartered in San Francisco, California, USA, with a workforce of 51-200 employees. Its website is https://www.felixpago.com.Company H1B SponsorshipFélix has a track record of offering H1B sponsorships, with 1 in 2026, 6 in 2025, 13 in 2024. Please note that this does not guarantee sponsorship for this specific role.