Senior Credit Risk Analyst

Félix; San Francisco (CA); On-site; USD 140,000 - 210,000; Full time

Benefits offered by this job

Competitive salary

Stock options

Annual bonus

Health plan

Learning opportunities

Unlimited PTO

Parental leave

Growth opportunities

Job summary

Félix is expanding nationwide and building a high-caliber Credit Risk team for its Send Now Pay Later product. We are seeking a Senior Credit Risk Analyst who thrives with data, portfolio mathematics, and lending dynamics to own quantitative frameworks and credit models that drive profitability.

You will partner with engineering to deploy scoring models, manage credit policies, and monitor portfolio health across demographics in a fast-growing fintech environment.

Qualifications

• 4+ years of deep analytical experience in Credit Risk, managing unsecured consumer lending or digital lending products.
• Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures).
• Proven track record of evaluating and defining credit policies balancing growth and losses.
• Experience working with data scientists to evaluate and integrate predictive ML credit scorecards.

Responsibilities

• Lending Portfolio Leadership: lead analytics for SNPL, source of truth for credit insights.
• Executive Reporting: deliver portfolio health, NPL trends, macroeconomic risk factors.
• Financial Modeling: optimize valuation, vintage analysis, and NPV credit models.
• Framework Architecture: design end-to-end credit analytics for SNPL and future products.
• Acquisition Credit Policy: manage policy to optimize approvals and keep default risk in line.
• Credit Monitoring & Surveillance: monitor credit distribution across demographics.
• Customer Management Policy: test and iterate credit policies (limits, re-engagement).
• Model Integration & Testing: work with engineering to deploy scoring models and testing.

Skills

SQL

Statistical modeling

ML familiarity

Executive communication

Credit risk

Tools

Python

R

dbt

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.

Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission—serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence. We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives better. We are building the future, today.

About The Role

As Félix expands nationwide, we are scaling our Credit Risk function from the ground up to support our new Consumer Lending division. We are looking for a Senior Credit Risk Analyst who lives and breathes data, portfolio mathematics, and lending dynamics. You will own the quantitative frameworks behind our Send Now Pay Later (SNPL) product, directly impacting our bottom line by managing credit policies, loan pricing models, and portfolio health monitoring. If you want to move away from rigid, legacy corporate banking structures and deploy agile credit strategies in a hyper-growth tech startup, this seat is for you.

Responsibilities

• Lending Portfolio Leadership: Act as the lead credit analytics owner for the SNPL team, serving as the source of truth for credit insights.
• Executive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors.
• Financial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models.
• Framework Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and future digital credit products.
• Acquisition Credit Policy: Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly within target bands.
• Credit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts.
• Customer Management Policy: Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules).
• Model Integration & Testing: Partner with engineering to integrate new scoring models and champion-challenger testing mechanics directly into our production portfolio performance.
• Alternative Data Exploration: Research, validate, and integrate external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive models.

Requirements

• Consumer Lending Pedigree: 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products.
• Rigorous Analytics Toolkit: Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures).
• Sharp Lending Judgment: Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions.
• AI/ML Familiarity: Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards.
• Strong Communication: Ability to package complex portfolio metrics into clear, high-level executive summaries for the C-suite and investment partners.
• Bias for Action: Thrives in an environment of rapid experimentation, moving fast to adjust credit strategies based on instant user behavior trends.
• 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
• 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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