Risk Portfolio Manager – LatAm

• Monitor the credit portfolio, including vintages, losses, originations, NPL by cohort, and profitability
• Evaluate and underwrite high-ticket merchant credit facilities of USD 100K–200K and above at scale
• Define and track business metrics covering loss, yield/profitability, portfolio construction, and portfolio health
• Extract, structure, and analyze portfolio data independently using SQL
• Apply statistical reasoning to portfolio questions
• Partner closely with the business team and handle client interaction
• Generate findings and transform them into presentations for a larger audience
• Automate monitoring KPIs for the portfolio
• Own the credit portfolio and turn portfolio analysis into business decisions

• 7 years of experience in credit, lending, credit risk, business analytics, or a lending institution
• Background in a fintech, payment processor, POS provider, or bank with real lending/credit exposure
• Hands-on underwriting experience, ideally with large/high-ticket merchant credit
• Ability to work at scale through mass evaluation, not manual case-by-case work
• Strong data analysis skills in SQL and/or Python
• Statistical and data literacy, including fundamentals of statistics, data analysis, and model interpretation
• Comfort using AI tools is a plus
• Ability to thrive in a dynamic, startup-style environment
• Corporate/B2B cards underwriting experience with high limits is relevant
• Credit/lending experience and cultural fit for candidates from traditional or corporate backgrounds

• Eligible team members have the opportunity to participate in R2’s Phantom Share Program, a performance-based incentive
• Ownership and impact in a fast-paced, growth-oriented startup
• Cross-functional collaboration with exceptional teams
• Exposure to complex regulatory challenges and innovation in embedded finance