Head of Credit Strategy & Growth — Mexico

Santander; México; On-site; MXN 1,800,000 - 2,800,000; Full time

Job summary

Openbank Mexico is seeking a strategic Head of Credit to define and lead the credit strategy for Openbank Mexico, building a scalable model aligned with growth, risk appetite and customer needs, with end-to-end accountability for portfolio performance, P&L and risk-adjusted profitability.

You will collaborate with Product, Data, Risk and Technology teams to design digital credit journeys, policies and decisioning frameworks that drive sustainable growth while maintaining strong risk controls.

Qualifications

• Significant senior experience in credit, lending, consumer finance, or digital banking.
• Proven track record defining or scaling credit strategies, lending products or credit portfolios in a banking or financial services environment.
• Demonstrated experience owning or managing P&L and portfolio performance within a credit, lending or consumer finance business.
• Previous exposure to fintech, digital banking, consumer lending, credit cards or high-growth financial services businesses will be highly valued.

Responsibilities

• Define end-to-end credit strategy for Openbank Mexico, including product scope, portfolio priorities, customer segments, credit criteria and growth roadmap.
• Own the credit P&L, ensuring sustainable growth and balancing origination, pricing, cost of risk, portfolio performance and profitability.
• Lead end-to-end portfolio management, defining performance objectives and actively managing growth, risk, returns and customer value across the credit lifecycle.
• Lead the design of the credit operating model, ensuring clear governance across Business, Risk, Product, Operations, Data and Technology teams.
• Develop credit policies, portfolio management principles and decisioning frameworks aligned with risk appetite, regulatory expectations and business objectives.
• Partner with Product and Data teams to design digital credit journeys, underwriting models, scorecards, pricing logic and customer lifecycle strategies.
• Own the strategic view of credit portfolio performance, including origination quality, risk-adjusted profitability, approval rates, delinquency, collections performance and customer value.
• Work closely with senior stakeholders to support business cases, roadmap prioritization, launch planning and commercial decision-making.
• Identify market opportunities, competitive dynamics and customer needs across consumer credit, lending and credit card propositions.
• Build strong relationships with internal teams across Openbank and Santander Group, ensuring consistency with global standards while adapting the model to the Mexican market.
• Support the preparation of senior management materials, committee discussions and strategic updates related to credit performance and development.

Skills

Credit risk

Portfolio management

Underwriting

Pricing

Collections

Risk-adjusted profitability

Commercial acumen

Financial acumen

Data analytics

Decisioning

Education

Relevant university degree

Job description

Openbank Mexico is seeking a strategic Head of Credit to define and lead the credit strategy for Openbank Mexico, building a scalable model aligned with growth, risk appetite and customer needs, with end-to-end accountability for portfolio performance, P&L and risk-adjusted profitability.

You will collaborate with Product, Data, Risk and Technology teams to design digital credit journeys, policies and decisioning frameworks that drive sustainable growth while maintaining strong risk controls.