The Credit Card Risk team is responsible for managing credit risk and driving profitability across the credit card portfolio.
We design and implement risk decision-making processes throughout the entire customer lifecycle, including underwriting and collections strategies.Risk strategy plays a critical role in the company's overall performance, directly impacting growth, profitability, and portfolio quality.Our team focuses on developing advanced analytical approaches, building models, and creating tools that enhance business processes and key metrics.
We are committed to a data-driven approach to decision-making.
Challenges that await you:Risk and Profitability ManagementManage, monitoring and improvement of Credit Card's risk strategy, limit policy within adopting ML & AI models to maximise product profitabilityDevelop and manage NPV model of the productInteraction with business department about product and origination process, product conditions, tariffs, acquisition channels profitabilityDesigning, testing, and validating hypotheses to enrich knowledge about dependencies, impact of additional features, impact of changes in processDeveloping analytical frameworks and tools for fast, scalable, and comprehensive reportingWhat makes you a great fit:1+ year of professional experience in risk or product analytics Education: Mathematics, physics, engineering, economics, computer scienceExperience with databases,



strong knowledge of SQLExperience with one of the analytical scripting languages (Python / R)Strong analytical skills, understanding of basic machine learning conceptsStrong knowledge of mathematical statistics and understanding of probabilitiesNice to haveUnderstanding of retail risk management principles: adverse selection, vintage / portfolio analysis, knowledge of key risk and product metrics in retail lendingKnowledge of unit economics of credit cards, ability to explain dependencies and key metricsUnderstanding of advanced machine learning concepts and approachesExperience working with BI tools (e.g., Tableau, Power BI, Looker, or similar)Our ways of working:Innovative Spirit: a commitment to creativity and groundbreaking solutionsHonest Feedback: valuing open, transparent communicationSupportive Team: a strong, collaborative communityCelebrating Achievements: recognizing our wins togetherHigh-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent financesOur benefits:Relocation support to Mexico with assistance for the employee and their familyFlexible work: hybrid or full-time from our office in MexicoHealthcare CoverageEducation Budget: Language lessons, professional training and certificationsWellness Budget: Mental health and fitness activity reimbursementsVacation policy: 20 days of annual leave and paid sick leave

📌 Junior+/ Middle Risk Analyst [Credit Card] (Xico)
🏢 Plata Card
📍 Xico