Principal Analyst - Credit Risk

Félix; New York (NY); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary

Initial stock options grant

Annual performance bonus

Health, dental, and vision plans

Unlimited PTO

Paid parental leave

Job summary

Félix is seeking a Principal Analyst for Loss Mitigation & Forecasting to optimize strategies for recovering non-performing loans. The successful candidate will excel in data autonomy, bridge complex modeling with operational execution, and present insights to C-suite executives.

This role requires 5+ years in Credit Risk Analytics and proficiency in SQL and predictive modeling tools. Remote work options are available with benefits including competitive salary, stock options, and unlimited PTO.

Qualifications

• 5+ years of experience in Credit Risk Analytics, specializing in Loss Mitigation and Collections Strategy.
• Exceptional mastery of SQL, data pipelines, and predictive modeling.
• Deep understanding of modern collections technology.

Responsibilities

• Architect loss mitigation strategies to optimize collections and recoveries.
• Partner with Operations to define automated contact strategies.
• Collaborate to build advanced collections models.

Skills

Credit Risk Analytics

SQL

Predictive Modeling

Data Pipelines

Communication Skills

Tools

Python

R

Job description

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

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
• 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.