Credit Risk Analyst
TLDR
Balance retail credit portfolios across risk, return, and capital use while challenging strategy and underwriting decisions with SQL-backed analysis.
We are looking for a Credit Risk Analyst to join our Portfolio Strategy team and help us keep our retail credit portfolio balanced across risk, return, and capital use. You will be an independent partner to the Product and Underwriting teams, turning analysis into practical recommendations that shape how we grow.
Challenges that await you:
- Ensure the bank's retail credit portfolio fits its business model, takes the right level of risk, and earns an appropriate return
- Provide independent oversight and challenge to Product and Underwriting teams on portfolio strategy, risk selection, and pricing
- Monitor portfolio performance and competitors, and recommend changes to improve the balance between risk, return, and capital use
- Calculate and monitor credit loss provisions
- Help optimize the capital consumed by the portfolio
What makes you a great fit:
- Strong understanding of retail credit risk, portfolio management, and credit risk strategies
- Knowledge of credit loss provisioning under IFRS and US GAAP
- Understanding of how banks operate, capital adequacy, and credit risk RWA calculations
- Ability to assess and improve portfolio performance through risk, return, pricing, and capital use
- Ability to challenge business and underwriting decisions and turn analysis into practical recommendations.
- Good knowledge of SQL
- B1 or higher English level for effective communication with an international team
Our ways of working:
- Innovative Spirit: a commitment to creativity and groundbreaking solutions
- Honest Feedback: valuing open, transparent communication
- Supportive Team: a strong, collaborative community
- Celebrating Achievements: recognizing our wins together
- High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances
Our benefits:
- Relocation support to one of our hubs with assistance for the employee and their family
- Flexible work from one of our offices
- Healthcare Coverage
- Education Budget: Language lessons, professional training and certifications
- Wellness Budget: Mental health and fitness activity reimbursements
- Vacation policy: 20 days of annual leave and paid sick leave
Benefits
Health Insurance
Healthcare Coverage
Learning Budget
Education Budget: Language lessons, professional training and certifications
Paid Time Off
Vacation policy: 20 days of annual leave and paid sick leave
Remote-Friendly
Flexible work from one of our offices.
Visa Sponsorship
Relocation support to one of our hubs with assistance for the employee and their family.
Wellness Stipend
Wellness Budget: Mental health and fitness activity reimbursements
Plata Card is a digital financial technology company revolutionizing the way consumers in Mexico manage their money. By simplifying financial relationships and providing innovative services, Plata aims to be the primary financial partner for its users, driving impactful experiences for millions.