Risk Analyst – Data-Driven Credit & ML Insights

PayJoy, Inc; Bogotá; On-site; COP 186,875,000 - 311,459,000; Full time

Benefits offered by this job

Health for employees and immediate fam

20 days vacation

Co-working travel perk

Professional development perk

Phone finance

Home office equipment allowance

Wellness perks

Catered lunches

Job summary

PayJoy is hiring a Risk Analyst to scale our credit portfolios across LATAM and other markets. You will leverage data warehouse to build analyses, policies, and dashboards that optimize risk and profitability while collaborating with Executives, Product, Engineering and GTM teams.

The role emphasizes data-driven decision making, building datasets, and actionable recommendations to improve product profitability and risk KPIs.

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar
• +2 years of experience in a rigorous analytical/empirical role
• Strong general analytical and problem-solving skills
• Mastery of SQL
• Proficiency in Python or R
• Understanding of statistical tools and methods, and experience with large data sets
• Consumer finance experience is a plus.

Responsibilities

• Use SQL and Python or R to extract and manipulate data to underpin recommendations (we are very data-driven).
• Make actionable recommendations about how to improve outcomes based on your analysis.
• Work closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes.
• Create dashboards that measure performance of credit portfolios, new product pilots and A/B tests.
• Write succinct and thoughtful documentation that explains your analysis and recommendations.

Skills

SQL

Python or R

Analytical skills

Statistical methods

Education

Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar

Tools

Python/R environment

Job description

PayJoy is hiring a Risk Analyst to scale our credit portfolios across LATAM and other markets. You will leverage data warehouse to build analyses, policies, and dashboards that optimize risk and profitability while collaborating with Executives, Product, Engineering and GTM teams.

The role emphasizes data-driven decision making, building datasets, and actionable recommendations to improve product profitability and risk KPIs.