Senior Risk Analyst driving insights for Aplazo's fintech risk management. Collaborating on analytics to protect against losses and support growth.
Responsibilities
Develop, maintain, and enhance dashboards, reports, and analytical frameworks to monitor portfolio performance, fraud trends, and acquisition quality.
Contribute to the design, testing, and optimization of credit policies, underwriting rules, and fraud prevention strategies to improve the margin profile of the business.
Design and analyze champion/challenger tests and other experiments to evaluate strategy changes, measure impact, and recommend next steps.
Conduct deep-dive analyses to identify risk drivers, emerging patterns, and opportunities for improvement across the customer lifecycle (acquisition, customer management, collections, fraud).
Work closely with Product, Engineering, Data Science, and Operations to translate analytical findings into actionable product and process improvements.
Build and improve automated processes, queries, and lightweight tools to increase the speed and efficiency of the Risk team's analytical workflows.
Maintain clear documentation of methodologies, policies, and analytical outputs to support governance and compliance standards.
Requirements
2–3 years of experience in risk analytics, credit risk, fraud, or a related quantitative role, ideally within consumer lending or fintech.
Strong proficiency in SQL and Python for data extraction, manipulation, and analysis.
Experience building and interpreting risk models, scorecards, or rule-based decisioning frameworks is a plus.
Comfortable working with GitHub in the context of a data analysis workflow.
Familiarity with statistical methods and A/B testing methodologies.
Analytical mindset with strong attention to detail and a bias for action.
Clear communicator — able to translate complex data into concise, actionable recommendations for both technical and non-technical stakeholders.
Self-starter who thrives in ambiguity and can manage multiple workstreams with minimal supervision.
Collaborative and curious, with a genuine interest in how risk intersects with product and customer experience.
Languages: English: Native or advanced Spanish: Desired
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