Credit Risk Analyst

About Kueski

At Kueski, we're dedicated to improving the financial lives of people in Mexico. Since 2012, we've been the leading buy now, pay later (BNPL) and online consumer credit platform in Latin America, known for our innovative financial services. Our flagship product, Kueski Pay, provides seamless payment solutions for both online and in-store transactions, establishing itself as the preferred option for a quarter of Mexico's top e-commerce merchants. Notably, we were the first to introduce BNPL on Amazon Mexico.

We're a tech company with a culture geared toward innovation, collaboration, and impact, fostering a strong, diverse, and inclusive company culture. In 2023, Kueski was recognized as the top BNPL platform by Fintech Breakthrough and earned the title of one of Mexico's most ethical companies from AMITAI. Additionally, we ranked as one of the Best Companies for Female Talent by EFY.

Purpose

Analysis of the behavior of the portfolio to define credit approval strategies for the different credit products, such that business growth expectations are achieved, taking care of the quality of the level of losses, profitability, and optimal operating cost.

Collaborate with multifunctional teams in the definition and implementation of analytical projects, infrastructure, and various control measures aligned with the established risk appetite, as well as in the design of strategic campaigns based on the analysis of credit risk profiles, optimizing the effectiveness of strategies based on customer segmentation and risk assessment.

Key Responsibilities

• Analysis of credit behavior at the portfolio level

• Analysis of credit behavior at origination harvest level

• Preparation and definition of reports, metrics and presentations at an executive and strategic level

• Key point of contact with engineering, product, sales, finance, or collections to ensure appropriate development and implementation of credit risk policies and tools, as well as a clear understanding of business needs

• Construction and definition of strategies for sustainable business growth through the development of monitoring systems and the definition of credit evaluation schemes, through an analytical, numerical, and business sense perspective

• Generate proposals to incorporate additional information, new tools and/or preventive policies to mitigate credit losses through quantitative and qualitative evaluations

• Identification, definition, and development of proofs of concept from external data sources to evaluate the added value for credit loss mitigation

• Stay abreast of industry best practices, regulatory guidelines and market developments to ensure compliance and promote continuous improvement in risk management processes

• Mentor and support junior analysts, providing guidance and experience in credit risk analysis methodologies and techniques

• Design, implement, and monitor strategic campaigns based on the analysis of customer credit profiles

Position Requirements

• Graduate from one of the following majors: Engineering, Mathematics, Actuary, Economics or similar

• At least 4 years of proven experience in managing and exploiting databases via Python, R, SQL

• At least 4 years of proven experience using analytical and statistical techniques

• At least 4 years of experience analyzing and understanding credit risk metrics and operation of consumer credit products

• English language (intermediate-advanced level)Critical and analytical thinking

• Self-management, focus on achievement, and delivering results on time

• Decision making based on data analysis

• Decision making in uncertainty through creative proposals based on similar data

• Proactive, purposeful, and focused on continuous improvement

• Cooperation, teamwork, and leadership in project implementation and monitoring

• Administration logic, development, and implementation of Data Sources, as well as related credit policies

• Advanced experience interpreting analytical tools associated with credit risk analysis including selection of cut-off points, and development of credit risk models (reserves and/or origination)

• Knowledge of functions of various cross-functional areas and their strategic relevance in credit risk management including product management and design, data science, finance, sales, marketing, and engineering

• Verbal and written communication skills, with the ability to present complex information in a clear and concise manner

• Ability to work effectively with cross-functional teams and manage multiple stakeholders

You’ll love working at Kueski because

• We have a mission-driven culture focused on customer value, teamwork, humility, and integrity

• Everyone is expected to have role clarity, career growth, and a personal development plan. Feedback and recognition are embedded in our company processes, systems, and practices

• We ensure competitive salary, medical insurance, and wellbeing through ample and flexible time off as well as mental healthcare benefits

• Everyone is an owner and eligible for competitive stock options with a company poised for success. We're committed to building an inclusive and diverse team and we know this leads to incredible work

Kueski: Where talent excellence improves Mexican lives

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