Risk Analyst Middle+

Plata Card; Colombia; On-site; COP 48,000,000 - 72,000,000; Full time

Benefits offered by this job

Relocation support

Flexible work from one of our offices

Healthcare Coverage

Education Budget

Wellness Budget

Vacation policy

Job summary

Plata Card in Colombia is seeking a Risk Analyst to join at the ground floor of a new country launch. You will help build credit risk processes from scratch, designing origination policies, guardrails, and dashboards that illuminate portfolio performance.

The role blends analytics and cross-functional collaboration, working with product, finance and operations to embed risk controls into customer journeys, while translating data into actionable insights for senior leadership.

Qualifications

• 3+ years in credit risk or data-driven roles within retail/consumer lending.
• Experience in Credit cards is a strong plus.
• Proficient in SQL and Python with hands-on data work.
• Skilled at creating dashboards and visualizing data.
• Strong grasp of financial mathematics and profitability concepts.
• Quantitative mindset with strategic thinking.
• Education from a top technical university in STEM.
• English B1+ for international team.

Responsibilities

• Help design credit origination and limit management policies.
• Monitor risk metrics and portfolio performance within risk appetite.
• Maintain live dashboards.
• Explain drivers behind metric changes.
• Embed risk controls into product specs and customer journeys with cross-functional teams.

Skills

Credit risk

Data-driven analysis

Dashboarding

English communication

Education

Mathematics/Physics/CS degree

Tools

SQL

Python

Job description

We are looking for a Risk Analyst.

We’re launching a new business line in Colombia and looking for someone to join our Risk team at the earliest stage of the launch, helping build credit risk processes from the ground up.

You’ll be joining at the earliest stage of a new country launch — working on risk processes with direct visibility into how your work drives portfolio performance.

Day-to-day responsibilities:

• Support the design of credit origination and limit management policy, pricing guardrails, early-warning triggers
• Contribute to risk metrics tracking: help monitor portfolio performance towards lifetime profit maximization within risk appetite constraints
• Maintain live dashboards
• Help explain drivers behind metric changes
• Collaborate cross-functionally: help embed risk controls into product specifications and customer journeys, working closely with product, collection, finance and 2nd line of defence teams

The ideal candidate:

• 3+ years in credit risk or other data-driven areas (finance/collections/production analytics/data science) within retail or consumer lending portfolios (banking or fintech)
• Experience in Credit cards would be a strong plus
• Proficient in SQL and Python, with hands-on experience working with data
• Comfortable creating dashboards, visualizing data, and presenting insights clearly
• Solid grasp of financial mathematics fundamentals, profitability components, and basic accounting principles
• Strong technical or quantitative background with a strategic mindset
• Education: Mathematics, Physics, Computer Science, or a related STEM field from a top technical university
• B1 or higher English level for effective communication with an international team

Our ways of working:

• Innovative Spirit: A commitment to creativity and groundbreaking solutions
• Honest Feedback: valuing open, transparent communication
• Supportive Team: a strong, collaborative community
• Celebrating Achievements: recognizing our wins together
• High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances

Our benefits:

• Relocation support to one of our hubs with assistance for the employee and their family
• Flexible work from one of our offices
• Healthcare Coverage
• Education Budget: Language lessons, professional training and certifications
• Wellness Budget: Mental health and fitness activity reimbursements
• Vacation policy: 20 days of annual leave and paid sick leave