**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 MI, Loss Forecasting & Profitability** 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?**
- Calculate and analyze the results of the IFRS 9 provision model and ensure full compliance and regulatory allowances.
- Establish a recurring process for loss forecasting and monitor the portfolio deviation results.
- Understand, analyze, and establish a profitability process capable of driving the risk-return metrics of the company.
- Prepare regular reports on credit portfolio performance, risk exposure, segmentation and key metrics for management and stakeholders.
- Utilize data analytics tools and techniques to identify trends, patterns, and potential areas of risk within the lending portfolio.
- Monitor performance and generate insights for risk strategies.
- Prepare executive reports for recurring committees and meetings.
- 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 Actuarial Sciencies, Finance, Economics, or a Related Field (Master's degree preferred).
- 2 or more years of experience in credit and collection management information.
- Proficiency in loss provision and loss forecasting.
- 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
