Credit Risk Decision Scientist — Remote LATAM

CRNCY Group; None; Hybrid; EUR 86,000 - 153,000; Full time

Job summary

CRNCY Group is seeking a senior Credit Decision Scientist to work remotely in Latam on a USD contractor basis. You will own the analysis from data to decision, shaping underwriting rules and portfolio strategies in markets with limited traditional credit information.

You will leverage probabilistic thinking, statistical inference, and advanced modeling (logistic regression, scorecards, gradient boosting) using Python and SQL. Expect a high-autonomy role with significant impact across markets.

Qualifications

• Degree in a quantitative discipline (e.g., Decision Science, OR, Applied Math, Statistics, Economics, Engineering, CS).
• Strong grounding in probability, statistics, and decision-making under uncertainty.
• Ability to translate analysis into practical business decisions and recommendations.

Responsibilities

• Analyze portfolio performance and identify profitability opportunities.
• Model repayment, default and fraud probabilities using incomplete/alternative data.
• Translate analysis into credit rules: approval strategy and underwriting requirements.
• Design and assess experiments to improve lending outcomes.
• Quantify trade-offs between growth, risk, and profitability.
• Own the analysis and the final decision without an analytics team.

Skills

Probabilistic reasoning

Statistical inference

Python

SQL

Logistic regression

Scorecards

Gradient boosting

Experiment design

Data analysis

Education

Quantitative degree

Tools

Python

SQL

Job description

CRNCY Group is seeking a senior Credit Decision Scientist to work remotely in Latam on a USD contractor basis. You will own the analysis from data to decision, shaping underwriting rules and portfolio strategies in markets with limited traditional credit information.

You will leverage probabilistic thinking, statistical inference, and advanced modeling (logistic regression, scorecards, gradient boosting) using Python and SQL. Expect a high-autonomy role with significant impact across markets.