Risk Modeling Lead

We’re looking for a Risk Modeling Leader to guide and inspire a high-performing team of data scientists in building advanced risk models and predictive analytics. This role works hand-in-hand with Credit Risk teams, playing a pivotal part in shaping the company’s modeling strategy and data initiatives.

You’ll be responsible for driving innovation, improving credit decision-making, developing regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler.

Responsibilities:

• Lead strategic planning for modeling initiatives, collaborating across teams to align with business and risk goals
• Drive innovation in data science to enhance decision-making and operational efficiency
• Provide data intelligence and analytics to support risk strategies and portfolio performance
• Develop and maintain predictive models that identify opportunities and mitigate risk
• Build and enhance advanced statistical models, including credit decision models where data is limited or incomplete
• Own the development and maintenance of regulatory risk models (e.g., expected credit losses)
• Monitor model performance and drive continuous improvements and recalibrations
• Own the Risk MIS: monitor risk policies, model outcomes, and performance of credit analysts
• Identify and implement process enhancements to improve efficiency, scalability, and outcomes
• Communicate findings and recommendations clearly to senior leadership and key stakeholders

Skills:

• Proven leadership of high-impact data science or modeling teams
• Strong project management and cross-functional coordination skills
• Deep understanding of credit risk modeling techniques and practices
• Hands-on experience deploying models into production environments
• Advanced knowledge of machine learning for risk modeling and credit scoring
• Proficient in building scalable, robust data pipelines and model architectures
• Strong skills in predictive analytics and business-driven model design
• Experienced in model monitoring, backtesting, and performance evaluation
• Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses
• Passion for mentoring and elevating team capabilities

Non-negotiable Requirements:

• Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design
• Proven experience in credit risk modeling in Latin American markets
• Advanced proficiency in SQL and data visualization tools
• Strong command of machine learning techniques applied to credit and risk modeling
• High attention to data quality and integrity, especially within financial datasets
• Proficient in Python and other common modeling languages

Preferred Qualifications:

• Fintech industry experience, ideally in fast-paced, high-growth environments
• Experience navigating financial audits, understanding documentation and compliance expectations
• Understanding of financial conciliation processes and operational finance systems
• Exposure to credit card and payments ecosystems
• A collaborative, solution-oriented mindset with a passion for building from scratch
• Familiarity with Latin American regulatory and compliance standards
• Comfortable using modern collaboration tools (Slack, Notion, etc.)