Credit Risk Analyst

hace 5 días


Ciudad de México, Ciudad de México Clip A tiempo completo

About the Role

We are seeking a highly skilled Credit Risk Analyst to join our team at Clip, a leading FinTech startup in Mexico. As a Credit Risk Analyst, you will play a critical role in evaluating the creditworthiness of potential borrowers and ensuring the soundness of credit decisions.

Key Responsibilities

  • Calculate and analyze the results of the IFRS 9 provision model to ensure full compliance and regulatory allowances.
  • Establish a recurring process for loss forecasting and monitor the portfolio deviation results.
  • Develop and maintain 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.
  • 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 Actuarial Sciences, 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.

About Clip

Clip is a FinTech startup committed to a diverse and inclusive workplace. We do 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.


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