Head of Credit

Key Skills

AWS, Data Analysis, Data science techniques, Finance, Machine learning techniques, Planning and organization, Python Programming, SQL, Statistics, Teamwork

Job Description

We welcome diversity of background, experience and thinking. Storians are passionate about our mission and take pride in the products we build. Our culture thrives off of a flat structure and an inclusive environment where all of our employees can be their authentic selves, with boundless opportunities for professional growth.

Main responsibilities:

• Advance our credit granting processes for new and existing customers, from risk models to financial valuations models to determining appropriate product terms and limits
• With our data science team, continue to push the boundaries of credit risk modeling and underwriting in Latin America
• Build a resilient credit portfolio and the tools and processes to deeply understand performance levels and performance trends
• Deepen our understanding of how our customers use credit so that we can serve them better and enhance repayment rates
• Build, launch, and grow innovative new financial services products to better serve our underserved target market
• Lead and develop a world class analyst team from hands-on development of core analytics skills to advanced problem solving
• Build trusting relationships across the organization including product, engineering, finance, and operations teams
• Build appropriate credit governance to ensure our resilience to changing market conditions and to meet the expectations of external stakeholders

What we are looking for:

• Master's Degree or higher in the sciences, engineering, mathematics, statistics, economics, or other analytical and quantitative discipline.
• 7+ years in deep consumer credit granting roles including data analysis, credit analysis, and/or modeling areas.
• Proven ability to grow a resilient consumer credit portfolio.
• Extensive knowledge of credit risk modeling.
• Extensive knowledge of different methodologies and technologies in machine learning modeling.
• Strong quantitative and analytical skills and ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis.
• SQL, Python, and AWS skills
• Ability to champion organizational agenda and initiatives with executive audiences. Integrate/connect team initiatives, actions and culture in support of broader vision and credit risk management goals.

What we offer

• Make a positive impact on the lives of our customers via financial inclusion
• International exposure & work experience
• Professional development opportunities 
• Promote from within
• Competitive salaries with strong Stock Option package
• Health, dental and vision insurance
• Paid time off
• Flexible schedule including remote work
• 401(k)
• Health Savings Account
• FSA
• Commuter Benefits
• Short and Long Term Disability
• Life Insurance
• Employee Assistance Program
• Open office design 
• Onsite gym
• Casual dress code
• Company outings