Your mission:

Design, build, and own the underwriting model of Pepper 's first financial product from the ground up: a credit line aimed at taking care of our users’ liquidity needs. You'll design and own the model: how we assess risk, how we price it, how the users experience it, and how the portfolio performs over time.

What you’ll do:

- Build and iterate the underwriting model: what data we use, how we score it, eligibility criteria, credit limits, interest rate logic, draw and repayment mechanics, how we refine it as real repayment behavior comes in, and keep improving it as the portfolio grows.
- Model and stress-test portfolio risk: expected loss, default curves, credit spread economics across different user cohorts and adoption scenarios.
- Build the monitoring framework that tells us early when the portfolio is drifting and what to do about it.
- Design collections strategy and policies before first disbursement.
- Translate credit logic into specs that the Product & Tech teams can build.
- Understand the regulatory path for the AWL in Mexico and beyond, and advise on tradeoffs.
- Prepare credit portfolio economics for investors and credit facilities as Pepper grows.
- Beyond just doing the work, you’ll build and manage the agent(s) that do your work .

Who you are:

- Adventurer: you want to be part of something big and feel eager to have an impact.
- Teamplayer: you enjoy dynamic teams, speaking up as much as listening, and following others' lead.
- Doer: you can't wait to get things done.
- You use AI daily and have integrated different tools into your daily routine.
- Deeply analytical: you understand credit math and have built scorecards, loss curves, pricing models.
- Open-minded and forward-looking: you don't let your past experience limit what you can imagine and do today. As the industry evolves fast, what worked yesterday becomes the baseline today.





Skills we’re looking for

- Hands-on consumer credit experience in Mexico: you've worked at the underwriting level, not just in credit strategy or reporting, but in actually building and calibrating models: structure, price, and full cycle management.
- Underwriting and financial modeling: you can build a credit P&L;, model expected loss under stress scenarios, and explain the spread economics.
- Mexican financial system fluency: Buró de Crédito, CNBV frameworks, consumer protection regulation, you know how the system works and where its edges are.
- Cross-functional communication: you can translate complex credit logic into specs, decks, and user terms.
- High ownership, high accountability: what you have done and can do > where you studied or worked before.

- Experience with thin-file / no-file populations: you've built credit strategies that don't rely entirely on existing scores.
- Familiarity with the regulatory path for consumer credit in Mexico

.

- Exposure to credit facilities , warehouse lines , or investor-facing portfolio reporting .
- You can steer an AI agent

: break down work, build workflows, catch when it's going wrong and quickly iterate.

You can expect:

- A small and ambitious team that will challenge you and push you forward.

- A fast-paced environment to learn and grow continuously; speed over efficiency, always!
- Work directly with the founding team, a spirit of high agency and ownership, no middle layers.
- On-site work at our office in colonia Del Valle, a few blocks from WTC.

- Build a new category from zero: no playbooks, no limits, lots of passion, creativity, and obsession!

To apply: If you really want to create a new way to experience finance,

join us! Send us the following to [email protected] :

- Your resume (including your LinkedIn profile , or a link to any relevant profile ).

-- ¡Gracias!

–Team Pepper

📌 Credit Lead (Ciudad de México)
🏢 Pepper
📍 Ciudad de México