Credit Risk Analyst

Join the Fintech revolution and build the future of finance in Mexico!

Who are we?

We are the leading financial technology company in Mexico, empowering over 70,000 clients to achieve their dreams. Our mission is to empower small and medium-sized enterprises in the country with innovative solutions (financing, credit card, and payments) to overcome their challenges and turn them into engines of economic growth. We aspire to be the ideal ally for entrepreneurs, contributing to the development of the community, the country, and the planet.

Your challenge:

Manage and optimize Konfío's credit card portfolio, ensuring the balance between growth and risk control through the design of robust credit policies, continuous monitoring of key metrics, and generation of actionable insights, directly contributing to business profitability and the achievement of the risk area's strategic objectives.

What are we looking for?

• Completed Bachelor's degree in Actuarial Science, Economics, Engineering, Mathematics, Statistics, Finance, or a related field.
• Specialization: Credit risk of credit cards. Portfolio analysis, credit policy design, and data-driven decision-making in banking or fintech environments.
• Experience: 3 years in Banking/Fintech (preferably with experience in Credit Cards or the SME segment). Experience in credit strategy.
• Proven experience in designing and implementing credit policies with measurable results in delinquency control or portfolio growth.
• Indispensable Skills: English (capable of holding business conversations), financial Excel, database management, and Python (advanced).

Responsibilities:

• Manage and grow the credit card portfolio, keeping delinquency rates within established parameters and maximizing risk-adjusted profitability.
• Design and implement credit policies for cards that optimize the balance between portfolio growth and risk control, continuously adjusting them based on portfolio behavior.
• Continuously monitor key portfolio metrics (delinquency, expected loss, utilization) and propose policy adjustments without waiting for instructions.
• Collaborate with Product, Technology, and Finance teams to ensure risk decisions are aligned with Konfío's business strategy and growth objectives.
• Analyze root causes for portfolio deterioration or changes in payment behavior, evaluating multiple scenarios and proposing concrete evidence-based actions.

What do we offer?

• A dynamic and collaborative work environment where you can develop your full potential.
• Opportunities to learn and grow professionally using cutting-edge technologies.
• A passionate and talented team with whom you can share knowledge and experiences.
• Competitive compensation package and attractive benefits.
• The opportunity to positively impact the lives of thousands of people and contribute to the country's development.