Credit Risk Management Specialist

hace 5 días


Ciudad de México, Ciudad de México Clip A tiempo completo

About Us

Clip is a leading FinTech company revolutionizing the way payments work in Mexico. We empower individuals to exchange value directly from their mobile devices, making it easy to accept card payments anywhere, anytime.

The Role

We are seeking a highly skilled Credit Risk Management Specialist to join our team. As a key member of our credit risk management team, you will be responsible for evaluating the creditworthiness of potential borrowers and ensuring the soundness of credit decisions. You will collaborate closely with cross-functional teams to maintain our risk portfolio while delivering a seamless and efficient lending experience to our customers.

Key Responsibilities

  • Develop credit strategies, utilizing advanced analytical tools and methodologies, such as predictive segmentations, score-based decision matrices, and statistical experiments.
  • 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.
  • Collaborate with other departments, such as sales, operations, and customer support, to provide insights and recommendations for improving the lending process and customer experience.
  • Stay up-to-date with financial regulations and industry standards, ensuring all lending activities are in compliance with local and national regulations.

Requirements

  • Bachelor's Degree in Finance, Economics, or a related field (Master's degree preferred).
  • 2 or more years of experience in credit analysis, underwriting, or risk assessment in the financial services industry.
  • 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

Clip is committed to a diverse and inclusive workplace. We are an equal opportunity employer and do not discriminate under any basis of origin, gender, gender identity, sexual orientation, race, disability, age, or other legal status.



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