Senior Credit Manager

• Own the credit performance of the core cash advance product in Mexico
• Set and tune credit policy covering eligibility, loan amount assignment, pricing, and repeat-loan progression
• Balance product growth and profitability
• Maintain and improve the unit economics and valuations model
• Measure performance and identify and execute opportunities
• Design, launch, and analyze experiments across the borrower lifecycle
• Monitor vintage performance, early delinquency, and roll rates
• Diagnose performance drift and implement fixes
• Partner with Data Science to move risk models from validation to production
• Size model impact and own release and monitoring plans
• Collaborate with Product, Engineering, Collections, Finance, BI, and Marketing
• Share insights with credit teams across other markets within the global credit organization

• 5+ years in consumer credit risk
• Fintech or digital lending experience preferred
• Experience managing credit policy for a live portfolio
• Experience using agentic AI tools to improve work velocity and quality
• Experience building or owning a unit economics or valuations model and using it for business decisions
• Experience designing and reading A/B tests with guardrails
• Ability to distinguish signal from noise
• Clear executive-level writing
• Ability to influence Product, Engineering, and Data Science partners without formal authority
• Working knowledge of the Mexican consumer lending market
• Professional fluency in English
• Knowledge of Spanish is a plus

• WFH office reimbursement
• Competitive compensation packages
• Generous equity
• Flexible health plans at every premium level
• Substantial health plan subsidies
• Direct exposure to the leadership team
• Paid global onsites twice yearly
• Growth opportunities based on contributions rather than rigid promotion timelines