Felix
Senior Credit Risk Analyst
New York, USA · Senior
Sponsorship not specifiedDetected 11 hours ago
PythonSQLMachine LearningdbtA/B TestingFinancial ModelingValuationResearchLeadershipCommunication
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16Unrated
Cap-exempt (no lottery)0
Sponsors this role0
Entry-level history0
PERM / green-card track0
Lottery odds40
Fits your clock70
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About the role
- We are looking for a Senior Credit Risk Analyst who lives and breathes data, portfolio mathematics, and lending dynamics.
- If you want to move away from rigid, legacy corporate banking structures and deploy agile credit strategies in a hyper-growth tech startup, this seat is for you.
- Rigorous Analytics Toolkit: Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures).
Responsibilities
- Act as the lead credit analytics owner for the SNPL team, serving as the source of truth for credit insights.
- Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models.
- Support, design, and build end-to-end credit analytics frameworks for SNPL and future digital credit products.
- Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly within target bands.
- Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts.
- Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules).
- About Us At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances.
- Joining Félix means you will be part of a team building a legacy, a company that will outlive us all.
Requirements
- 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products.
- Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions.
- Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards.
Benefits
- This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.
- This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team.
- Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors.
Company info
- At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances.
- Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message.
- We leverage cutting-edge technology like AI, blockchain, and stablecoins to make cross-border payments faster, more affordable, and more accessible than ever before.
- We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund.
- Additionally, Félix was selected as an "Endeavour Entrepreneur" and was a recipient of the CrossTech Fintech Startups Award.
- We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers.
- We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus.
- This is a rare opportunity to apply your skills to a deeply meaningful mission-serving a community that has been underserved for too long.
- We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence.
- We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives better.
- We are building the future, today.
This listing is sourced directly from Felix's careers page and normalized into a canonical job model.