.albo is a leading fintech company offering financial products to individuals and SMBs with the mission to bring financial freedom to everyone everywhere.About the roleAs our VP of Credit Risk, you'll be responsible for albo's loan books at all levels, from designing credit risk policies and procedures to developing strategies for albo consumer and SME credit products in Mexico. Credit is one of the key businesses to scale in albo, so you'll be in charge of the performance of the credit strategy while working closely with our product team (Consumer Product Manager and SME Product Manager).We are looking for a senior candidate to oversee the day-to-day relationship with the debt fund that finances our credit portfolio. This entails monitoring their eligibility criteria and covenants by providing all reports containing all relevant information. The senior professional will manage the relationship with the fund, including negotiations, among other duties.This profile will lead the Credit Risk Operations and Collections teams while working closely with Credit Product Managers, and report directly to our COO.What you'll be doing at albo:Be responsible for the information regarding each of our loan books, its accuracy and correct reporting to all stakeholders.Lead the company's lending operations, ensuring efficiency, accuracy, and compliance with regulatory standards.Manage and mentor the risk and collections teams, providing guidance and support in credit risk assessment, underwriting decisions, and collection strategies.Support in the relationship with our debt investors, assuring all data is always accurate and complete for business continuity and covenant compliance.Develop and implement credit policies, underwriting guidelines, and risk management strategies to optimize lending performance and mitigate risks according to the guidelines in our debt contracts.Build and maintain relationships with debt funds and other financing partners, negotiating terms and agreements to secure funding for the lending portfolio.Collaborate with internal stakeholders, including product, technology, and finance teams, to drive innovation and optimize lending processes.Monitor key performance indicators (KPIs) and portfolio metrics, providing regular reports and insights to senior management and stakeholders.Develop account-level valuation frameworks to develop credit underwriting policies.Make data-driven decisions with a particular focus on profitability decision-making.Lead the Credit Risk team to design, develop, and implement retail credit risk models.Manage risk appetite through limited calibration and monitoring in accordance with credit committee guidelines.Manage credit limits, risk-based pricing, retention strategies, over-limit policies, etc.Adjust risk-return requirements and manage/adjust portfolio returns as new data comes to light.Support the annual budget, forecast, and planning processes