Opportunity to join a high-growth fintech building modern credit infrastructure across underserved markets in Latin America. Using alternative data, automation, and technology-driven decisioning, they are expanding access to credit where traditional financial systems fall short. This Head of Credit & Risk will lead strategy, analytics, and operational execution across underwriting, portfolio management, fraud, pricing, and collections. This role sits at the center of the business- partnering closely with founders and cross-functional teams to drive sustainable growth while maintaining disciplined risk management. Key Responsibilities Credit Strategy & Underwriting Define underwriting strategies, segmentation, approval criteria, pricing, and risk appetite across products and geographies Build and optimize credit models using traditional and alternative data sources Improve decisioning frameworks, limit management, and customer lifecycle risk strategies Support new product launches and market expansion initiatives Monitor portfolio performance across delinquency, loss rates, vintage curves, recoveries, and profitability Develop early warning systems and portfolio monitoring infrastructure Partner with finance and capital teams on provisioning, reporting, and portfolio optimization Balance growth objectives with strong unit economics and portfolio quality Fraud, Collections & Risk Operations Build fraud detection and prevention frameworks across underwriting and servicing Improve collections strategy, recovery performance, and operational processes Implement monitoring systems, escalation protocols, and risk controls Leverage analytics and automation to improve operational effectiveness Leadership & Organizational Scaling Build and mentor high-performing credit and risk teams Partner closely with founders and leadership on strategic company initiatives Improve cross-functional execution across product, data, operations, and engineering Act as a strong counterbalance between growth and disciplined risk management Qualifications Required 7+ years of experience in credit risk, underwriting, portfolio management, lending strategy, or quantitative analytics within fintech, banking, or lending environments Strong understanding of underwriting, credit analytics, portfolio management, and risk strategy Experience working with alternative data and data-driven decisioning systems Strong technical and analytical capabilities (SQL required; Python or R preferred) Experience operating in high-growth, fast-paced environments Preferred Experience in BNPL, consumer lending, SMB lending, working capital, or emerging market fintechs Exposure to fraud analytics and modern risk infrastructure Experience scaling teams and processes within rapidly growing organizations Familiarity with Latin American lending markets and multi-country operations #J-18808-Ljbffr