Head of Credit Risk

Head of Credit & RiskOpportunity to join a high-growth fintech building modern credit infrastructure across underserved markets in Latin America. Using alternative data, automation, and technology-driven decisioning, they are expanding access to credit where traditional financial systems fall short.This Head of Credit & Risk will lead strategy, analytics, and operational execution across underwriting, portfolio management, fraud, pricing, and collections. This role sits at the center of the business- partnering closely with founders and cross-functional teams to drive sustainable growth while maintaining disciplined risk management.Key ResponsibilitiesCredit Strategy & UnderwritingDefine underwriting strategies, segmentation, approval criteria, pricing, and risk appetite across products and geographiesBuild and optimize credit models using traditional and alternative data sourcesImprove decisioning frameworks, limit management, and customer lifecycle risk strategiesSupport new product launches and market expansion initiativesPortfolio Management & AnalyticsMonitor portfolio performance across delinquency, loss rates, vintage curves, recoveries, and profitabilityDevelop early warning systems and portfolio monitoring infrastructurePartner with finance and capital teams on provisioning, reporting, and portfolio optimizationBalance growth objectives with strong unit economics and portfolio qualityFraud, Collections & Risk OperationsBuild fraud detection and prevention frameworks across underwriting and servicingImprove collections strategy, recovery performance, and operational processesImplement monitoring systems, escalation protocols, and risk controlsLeverage analytics and automation to improve operational effectivenessLeadership & Organizational ScalingBuild and mentor high-performing credit and risk teamsPartner closely with founders and leadership on strategic company initiativesImprove cross-functional execution across product, data, operations, and engineeringAct as a strong counterbalance between growth and disciplined risk managementQualificationsRequired7+ years of experience in credit risk, underwriting, portfolio management, lending strategy, or quantitative analytics within fintech, banking, or lending environmentsStrong understanding of underwriting, credit analytics, portfolio management, and risk strategyExperience working with alternative data and data-driven decisioning systemsStrong technical and analytical capabilities (SQL required; Python or R preferred)Experience operating in high-growth, fast-paced environmentsPreferredExperience in BNPL, consumer lending, SMB lending, working capital, or emerging market fintechsExposure to fraud analytics and modern risk infrastructureExperience scaling teams and processes within rapidly growing organizationsFamiliarity with Latin American lending markets and multi-country operationsFluent in English and Spanish preferred