This is a leadership role designed for an experienced analyst who will play a key part in scaling our unsecured personal loan product into a fully autonomous business line. With a proven business case and positive unit economics of the product already established, you will leverage advanced analytical methods, collaborate cross-functionally, and continuously refine risk and lending strategies.
Overview:
Risk and profitability management:
- Continuously refine credit policies, approval criteria, and risk segmentation to maximize sustainable growth.
- Maintain a balanced approach to credit risk and profitability, optimizing the trade-off between approval rates, default levels, and overall return on the lending portfolio.
Cross-functional collaboration:
- Partner closely with product managers, data scientists, antifraud specialists, and collections teams to enhance product performance and scale operations.
- Align risk strategies with product roadmaps, incorporating feedback from various teams to ensure seamless and responsible product evolution.
Risk technology and implementation:
- Describe changes in risk strategy on the business language to the IT team and control implementation.
Reporting and data management:
- Develop and maintain comprehensive dashboards and reports, ensuring transparency and timely insights into portfolio performance.
- Work closely with DWH teams to guarantee data consistency, reliability, and accessibility, enabling more informed decision-making and strategic planning.
Key responsibilities:
Experience:
- Significant experience (3+ years) in credit risk analytics within financial services or fintech, particularly in unsecured lending products.
Technical skills:
- Strong analytical and statistical skills with hands-on experience in SQL, statistical programming (e.g., Python, R), and data visualization tools (Tableau, Power BI).
Business acumen:
- Ability to balance data-driven insights with commercial considerations, ensuring that risk strategies align with broader business goals.
Collaboration:
- Proven success working in cross-functional, agile environments. Excellent communication skills to translate complex analysis into actionable strategies and influence stakeholders.
Ideal candidate profile:
- Risk and Profitability Management
- Cross-Functional Collaboration
- Advanced Risk Analytics & A/B Testing
- Risk Technology and Implementation
- Reporting and Data Management
Responsibillities:
- Significant experience (3+ years) in credit risk analytics within financial services or fintech, particularly in unsecured lending products.
- Strong analytical and statistical skills with hands-on experience in SQL, statistical programming (e.g., Python, R), and data visualization tools (Tableau, Power BI).
- Ability to balance data-driven insights with commercial considerations, ensuring that risk strategies align with broader business goals.
- Proven success working in cross-functional, agile environments. Excellent communication skills to translate complex analysis into actionable strategies and influence stakeholders.
Requirements:
We usually respond within a week
We Are Hiring!
If you know someone who would be a perfect fit with us, please send us an e-mail with CV.
About Plata
PLATA is a digital financial services and technology company that aims to become the primary financial relationship of Mexican consumers and to reward their financial life through inclusion, simplicity, convenience, trust, and security.
We are a fintech team with extensive experience in the Russian market. Most of the starting team is ex-Tinkoff people who believe in the idea and plan to make a cool new product in the global market.
Visit our website.
We are a fintech team with extensive experience in the Russian market. Most of the starting team is ex-Tinkoff people who believe in the idea and plan to make a cool new product in the global market.
Visit our website.
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Tecnologías Diffiere, S.A.P.I. de C.V., Mariano Escobedo 476, First Floor, Anzures, Miguel Hidalgo, 11590, Mexico City
+52 55 9990 8880
+52 55 9990 8880
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Tecnologías Diffiere, S.A.P.I de C.V., Mariano Escobedo 476, floor 1, office 103, Anzures, Miguel Hidalgo, 11590, Mexico City