Principal Analyst - Credit Risk

Felix; Miami (FL); On-site; USD 120,000 - 155,000; Full time

Benefits offered by this job

Initial stock options grant

Annual performance bonus

Health, dental, and vision plans

Unlimited PTO

Parental leave

Learning opportunities

Job summary

Félix is hiring a Principal Analyst for Loss Mitigation & Forecasting to safeguard our capital and optimize recoveries from non-performing loans. You’ll design data models and predictive collections infrastructure, bridging math modeling with aggressive operations execution.

This IC-level role partners with Operations and Data/Analytics Engineering to implement automated contact strategies and advanced propensity-to-pay models.

Qualifications

• 5+ years of proven quantitative experience in Credit Risk Analytics.
• Specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/Provisioning.

Responsibilities

• Architect loss mitigation strategies to optimize collections and recoveries.
• Define automated contact strategies with WhatsApp, SMS, and omnichannel systems.
• Build advanced collections models to optimize resource prioritization for recovery ROI.
• Develop loss forecasting models (CECL) for capital resiliency.
• Manage credit loss budget and capacity planning for the C-suite.
• Evaluate and onboard third-party vendors and software for credit loss collection.

Skills

SQL

Data pipelines

Python

R

Tools

Python

R

SQL

Job description

About Us

At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message. We leverage cutting-edge technology like AI, blockchain, and stablecoins to make cross-border payments faster, more affordable, and more accessible than ever before. We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an "Endeavour Entrepreneur" and was a recipient of the CrossTech Fintech Startups Award. We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers. We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus.

About the Role

As our Principal Analyst for Loss Mitigation & Forecasting, you will occupy one of the most vital strategic seats within the Consumer Lending business. You are not a regular reporter; you are the technical mastermind responsible for guarding our capital, forecasting portfolio losses, and optimizing how we recover capital from non-performing loans. Operating on the highest tier of our individual contributor (IC) track, you will design the data models, contact strategies, and predictive collections infrastructure that protect Félix’s balance sheet. This role requires an absolute expert in data autonomy who can bridge the gap between heavy math modeling and aggressive operations execution.

Responsibilities

• Loss Mitigation Strategy: Architect and execute next-generation loss mitigation strategies to optimize collections, and recoveries for bad loans.
• Conversational Operations Alignment: Partner directly with the Operations team to define automated contact strategies, determining ideal customer methods and friction-free touchpoints (utilizing WhatsApp, automated flows, and omnichannel systems).
• Predictive Collections Modeling: Collaborate with the Data/Analytics Engineering team to build advanced collections models (e.g., propensity-to-pay scorecards) to optimize and prioritize resources for maximum recovery ROI.
• Loss Forecasting & Resiliency: Build and own loss forecasting models(CECL methodology) establishing corporate capital resiliency measures.
• Budgeting & Capacity Planning: Formally manage and report on the organization's credit loss budget and operational capacity planning to the C-suite.
• Vendor Evaluation & Procurement: Lead the evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software solutions.

Requirements

• Elite Credit Risk Background: 5+years of proven quantitative experience in Credit Risk Analytics, with a definitive specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/Provisioning.
• Technical Sovereignty: Exceptional, hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling (Python or R). You are completely independent in building your own data structures.
• Collections Innovation: Deep understanding of modern collections tech; bonus points if you have designed recovery frameworks within digital/conversational channels (WhatsApp/SMS ecosystems).
• High-Level Communication: Expert capability to present technical risk data and financial impacts smoothly to the C-suite, founders, and bank sponsors.
• Extreme Ownership & Autonomy: Proven history of steering large cross-functional initiatives independently, discovering the problems that need solving without a roadmap.
• These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

What We Offer

• Base Salary Range: $120,000 - $155,000 (Flexible depending on expectations/interview performance)
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer

At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.

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