Credit Risk Expert — LATAM (SQL/Python, AI-Driven)

Clara; Toluca; Híbrido; MXN 1.531.000 - 2.212.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Stock options (ESOP)

Multicultural team languages

Learning budget

Hybrid work model

Flexible vacation

Descripción de la vacante

Clara is seeking a Credit Risk Expert for Latin America to turn portfolio signals into decisions using SQL, Python, and quantitative modeling. You will own end-to-end risk analytics and contribute to governance and provisioning frameworks in a fast-growing fintech.

You'll work 100% in data, building and validating PD, LGD, EAD, and ECL models, designing risk strategies, and translating insights for Senior Leadership while collaborating across cross-functional teams in the region.

Formación

• Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field.
• Proven hands-on experience in portfolio-level credit risk: PD, LGD, EAD, ECL, vintage analysis, roll rates.
• You write SQL and Python (or R) every day — this is non-negotiable.
• Experience in Latin American credit markets.

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 the data pull to the recommendation.
• Develop credit strategies and decision frameworks that feed into automated lending decisions.

Conocimientos

SQL

Python

Credit risk modeling

Portfolio risk

Latin America markets

Educación

Actuarial Science / Mathematics / Statistics / Computer Science

Herramientas

n8n

AI tools in risk

Descripción del empleo

Clara is seeking a Credit Risk Expert for Latin America to turn portfolio signals into decisions using SQL, Python, and quantitative modeling. You will own end-to-end risk analytics and contribute to governance and provisioning frameworks in a fast-growing fintech.

You'll work 100% in data, building and validating PD, LGD, EAD, and ECL models, designing risk strategies, and translating insights for Senior Leadership while collaborating across cross-functional teams in the region.