Senior Financial Risk Analyst
hace 2 semanas
**About Clip**
We are changing the way payments work in Mexico, empowering people to exchange value directly from a mobile device. Our platform enables anyone to accept card payments at any time and anywhere by turning their smartphone or tablet into a card terminal.
**The Opportunity**
We are seeking an experienced Credit Risk Specialist to join our team. As a key member of our credit risk management department, you will be responsible for evaluating the creditworthiness of potential borrowers and ensuring the soundness of credit decisions.
**Responsibilities**
- Develop credit strategies using advanced analytical tools and methodologies, including predictive segmentations, score-based decision matrices, and statistical experiments.
- Monitor and manage the performance of existing loans, tracking repayments and identifying early warning signs of delinquency.
- 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.
- 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.
- Collaborate with cross-functional teams to maintain the company's risk portfolio while delivering a seamless and efficient lending experience to customers.
**Requirements**
- 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
**What We Offer**
- Competitive salary: $80,000 - $120,000 per annum
- A dynamic and inclusive workplace environment
- Opportunities for professional growth and development
- A chance to work with a cutting-edge fintech company
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