**Who we are?**
Payclip is changing the way payments work in Mexico! We are empowering people to exchange value directly from a mobile device. Clip enables anyone to accept card payments, at any time, and anywhere by turning your smartphone or tablet into a card terminal. We're a well-funded quickly growing FinTech startup. We are the leaders in our market and are accelerating to extend our lead and move into new markets.
**The Role**
We are looking for an Credit Risk Specialist to be part of this amazing fast-growing Fintech. At Clip He/She will be responsible for evaluating the creditworthiness of potential borrowers and ensuring the soundness of credit decisions. He/She will collaborate closely with cross-functional teams to maintain the company's risk portfolio while delivering a seamless and efficient lending experience to our customers.
**What will I be doing?**
- Develop credit strategies, utilizing analytical tools and methodologies considered as best in class, such as predictive segmentations, score-based decision matrices, statistical experiments (such as A/B tests) - including the experiment itself, tailor-made simulations using performance data and others
- Monitor and manage the performance of existing loans, including tracking repayments, identifying early warning signs of delinquency, and taking appropriate action to mitigate risk.
- Prepare regular reports on credit portfolio performance, risk exposure, and key metrics for management and stakeholders.
- Assess the creditworthiness of loan applicants by analyzing financial statements, credit reports, and other relevant information to determine their ability to repay loans.
- Conduct in-depth risk analysis and recommend appropriate loan terms, interest rates, and credit limits based on the borrower's financial profile and credit history.
- Utilize data analytics tools and techniques to identify trends, patterns, and potential areas of risk within the lending portfolio.
- Communication: Collaborate with other departments, such as sales, operations, and customer support, to provide insights and recommendations for improving the lending process and customer experience.
- Compliance: Stay up-to-date with financial regulations and industry standards, ensuring all lending activities are in compliance with local and national regulations.
- Bachelor's Degree in Finance, Economics, or a Related Field (Master's degree preferred).
- 4+ years of experience in Credit Analysis, underwriting, or Risk Assessment in the financial services industry
- Experience in credit and collection management information.
- Proficiency in financial statement analysis and credit risk modeling.
- Knowledge of Mexican financial regulations and lending practices.
- Proficiency in data analysis tools and software
In Clip, we are committed to a diverse and inclusive workplace. Clip does not discriminate under any basis of origin, gender, gender identity, sexual orientation, race, disability, age or other legal status. Clip is an equal opportunity employer.
If you are unstoppable, creative and have the skills we need, we want to hear from you!
LI-EG1
LI-Hybrid