The “Senior Credit Risk Analyst” mission:
The Senior Credit Risk Analyst at Baubap is tasked with developing and implementing a comprehensive credit risk management framework that identifies, assesses, and monitors Baubap’s portfolio behavior to achieve business goals regarding growth and loss rate. This role will identify and mitigate external risk factors, make adjustments based on data to modify our loan policies, and design strategies with different teams in the company to improve the health of our loan portfolio.
The expected outcomes:
- Ensure that the loss rate of the portfolio remains healthy, becomes highly predictable and is aligned with Buabap’s growth strategy
- Establish standard procedures that follow the best industry practices
- Cross-functional Collaboration: Work closely with various departments, including Acquisition, Data Modeling, Finance and Product, to ensure a cohesive and integrated approach to risk management.
- Continuous Improvement: Regularly review and update the credit risk management framework to adapt to new risks, regulatory changes, and industry developments.
The day to day tasks
- Loss Rate monitoring: Supervise and closely analyze loan non-payment rates and evaluate their impact on the credit portfolio. Identify trends and take corrective measures as necessary
- Key metrics projection: Utilize models and historical data to project future key metrics behaviour like loss rate, disbursed amount, average amount and anticipate their impact on the credit portfolio. Conduct sensitivity analysis and adjust risk strategies accordingly.
- Consumer sentiment analysis and tracking: Analyze and track consumer sentiment to understand their attitudes and behaviors related to credit. Incorporate consumer sentiment analysis into risk assessments and decision-making processes.
- Apply market best practices in risk management.
- Standardize and automate processes to proactively identify portfolio risk alerts and define mitigation plans
- Implementing effective risk mitigation strategies to minimize potential losses in the event of default and protect the company's overall credit portfolio.
- Portfolio stress testing: Conduct stress tests on the credit portfolio to assess its resilience under different adverse economic scenarios. Identify vulnerability areas and recommend mitigation actions.
- Documentation and knowledge sharing
Why YOU should apply:
- You'll bring your credit or financial risk expertise to the table and play a key role in shaping and strengthening our risk frameworks as we scale.
- You'll use your data skills daily, working hands-on with SQL, Python, and R to analyze and forecast risk—no theoretical models, just real-world impact.
- You'll solve complex problems that directly influence decision-making and business outcomes. Your analytical mindset will be valued and challenged.
- You’ll collaborate across teams, translating technical risk concepts into actionable insights for stakeholders from different backgrounds.
- You’ll be encouraged to take initiative and think proactively, identifying and addressing risk before it becomes a problem.
- With 5+ years of experience, you know the ropes—especially if you’ve worked in microfinance or similar sectors—and you’re ready to take your expertise to the next level.
- You’ll contribute to and learn from machine learning deployment projects and forecasting models, bringing your technical curiosity into the real world.
This might not be the right fit if...
- You’re looking for very structured processes and detailed instructions to carry out your work.
- You expect to join a company where everything is already figured out—we’re still building.
- You’re uncomfortable with frequent changes in direction or working in ambiguity.
- You prefer to stick strictly to your role and avoid stepping outside your defined responsibilities.
- You’re not comfortable with open, direct feedback and transparent communication.
What we can offer:
- Being part of a multicultural, highly driven team of professionals
- 20 vacation days / year + 75% holiday bonus (Prima Vacacional)
- 1 month (proportional) of Christmas bonus (Aguinaldo)
- Food vouchers
- Health & Life insurance
- Competitive salary
