Credit Risk Data Scientist - Fintech

Overview

The Senior Credit Risk Analyst at Baubap is tasked with developing and implementing a comprehensive credit risk management framework that identifies, assesses, and monitors Baubap's portfolio behavior to achieve business goals regarding growth and loss rate. This role identifies and mitigates external risk factors, makes data-driven adjustments to loan policies, and designs strategies with cross-functional teams to improve the health of our loan portfolio.

Responsibilities

• Loss rate monitoring : supervise and analyze loan non-payment rates and evaluate their impact on the credit portfolio; identify trends and take corrective actions as necessary.
• Key metrics projection : use models and historical data to project future metrics such as loss rate, disbursed amount, and average loan size, and anticipate their impact on the portfolio; conduct sensitivity analyses and adjust risk strategies accordingly.
• Consumer sentiment analysis and tracking : analyze consumer sentiment to understand attitudes and behaviors related to credit; incorporate sentiment analysis into risk assessments and decision-making processes.
• Apply market best practices in risk management.
• Standardize and automate processes to proactively identify portfolio risk alerts and define mitigation plans.
• Implement effective risk mitigation strategies to minimize potential losses in the event of default and protect the company's overall credit portfolio.
• Portfolio stress testing : conduct stress tests on the credit portfolio to assess resilience under adverse economic scenarios; identify vulnerability areas and recommend mitigation actions.
• Documentation and knowledge sharing.

Why YOU should apply

What we are looking for

What we can offer

Job details

Location : Mexico City, Mexico

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