[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.ResponsibilitiesLending Portfolio Leadership: Act as the lead credit analytics owner for the SNPL team, serving as the source of truth for credit insightsExecutive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factorsFinancial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit modelsFramework Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and future digital credit productsAcquisition Credit Policy: Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly within target bandsCredit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohortsCustomer 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 performanceAlternative Data Exploration: Research, validate, and integrate external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive modelsSkills4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending productsExpert 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 provisionsExperience working alongside data scientists to evaluate and integrate predictive ML credit scorecardsAbility to package complex portfolio metrics into clear, high-level executive summaries for the C-suite and investment partnersThrives in an environment of rapid experimentation, moving fast to adjust credit strategies based on instant user behavior trendsThese are the applicable requisites, although equivalent competencies in any of the above will also be consideredBenefitsCompetitive 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.