Risk Analyst Junior+/ Middle [Credit Card]

We are looking for a Risk Analyst . The Credit Card Risk team is responsible for managing credit risk and driving profitability across the credit card portfolio. We design and implement risk decision-making processes throughout the entire customer lifecycle, including underwriting and collections strategies. Risk strategy plays a critical role in the company’s overall performance, directly impacting growth, profitability, and portfolio quality. Our team focuses on developing advanced analytical approaches, building models, and creating tools that enhance business processes and key metrics. We are committed to a data-driven approach to decision-making. Challenges that await you: Risk and Profitability Management Manage, monitoring and improvement of Credit Card’s risk strategy, limit policy within adopting ML & AI models to maximise product profitability Develop and manage NPV model of the product Interaction with business department about product and origination process, product conditions, tariffs, acquisition channels profitability Designing, testing, and validating hypotheses to enrich knowledge about dependencies, impact of additional features, impact of changes in process Developing analytical frameworks and tools for fast, scalable, and comprehensive reporting What makes you a great fit: 1+ year of professional experience in risk or product analytics Education: Mathematics, physics, engineering, economics, computer science Experience with databases, strong knowledge of SQL Experience with one of the analytical scripting languages (Python / R) Strong analytical skills, understanding of basic machine learning concepts Strong knowledge of mathematical statistics and understanding of probabilities B1 or higher English level for effective communication with an international team Nice to have Understanding of retail risk management principles: adverse selection, vintage / portfolio analysis, knowledge of key risk and product metrics in retail lending Knowledge of unit economics of credit cards, ability to explain dependencies and key metrics Understanding of advanced machine learning concepts and approaches Experience working with BI tools (e.g., Tableau, Power BI, Looker, or similar) Our ways of working: Innovative Spirit: a commitment to creativity and groundbreaking solutions Honest Feedback: valuing open, transparent communication Supportive Team: a strong, collaborative community Celebrating Achievements: recognizing our wins together High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances Our benefits: Relocation support to Mexico with assistance for the employee and their family Flexible work: hybrid or full-time from our office in Mexico Healthcare Coverage Education Budget: Language lessons, professional training and certifications Wellness Budget: Mental health and fitness activity reimbursements Vacation policy: 20 days of annual leave and paid sick leave