Credit Risk Architect – LATAM (SQL/Python)

WhateverAI; Toluca; Híbrido; MXN 900.000 - 1.200.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Stock options (ESOP)

Descripción de la vacante

Clara, the leading Latin American fintech for spend management, seeks a Credit Risk Expert focused on portfolio-level risk across LATAM. You will code in SQL and Python daily to analyze portfolios, validate and recalibrate PD, LGD, EAD, and ECL, and own the risk MIS end-to-end.

You will design credit strategies, run CLI/CLD campaigns, review limits, and push data-driven decisions into automated lending. English fluency required.

Formación

• Academic background in a quantitative field such as Actuarial Science, Mathematics, Statistics or Computer Science.
• Hands-on portfolio-level credit risk experience: PD, LGD, EAD, ECL, vintage analysis, roll rates.
• Proficient in SQL and Python (or R) on a daily basis.
• Experience designing credit line management strategies: CLI/CLD campaigns, limit reviews, exposure control.
• Strong data visualization skills.
• Experience in Latin American credit markets.
• Fluent English.

Responsabilidades

• Write and maintain SQL and Python code daily to analyze portfolio behavior, delinquency trends, vintage curves, roll rates, and risk concentrations.
• Support the build, validation and recalibration of credit risk models: PD, LGD, EAD, and ECL.
• Own the Credit Risk MIS end to end — you build it, you maintain it, you improve it.
• Design and execute credit line management strategies from data pull to recommendation.
• Develop credit strategies and decision frameworks for automated lending decisions.
• Use AI tools and workflow automation to improve risk processes and experiment with new approaches.

Conocimientos

SQL

Python

R

Educación

Actuarial Science

Mathematics

Statistics

Computer Science

Descripción del empleo

Clara, the leading Latin American fintech for spend management, seeks a Credit Risk Expert focused on portfolio-level risk across LATAM. You will code in SQL and Python daily to analyze portfolios, validate and recalibrate PD, LGD, EAD, and ECL, and own the risk MIS end-to-end.

You will design credit strategies, run CLI/CLD campaigns, review limits, and push data-driven decisions into automated lending. English fluency required.