Credit Decisioning Specialist, Latam – Contract
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Job Description
Credit Decisioning Specialist at CRNCY analyzing data to optimize credit risk and underwriting rules. Remote role facilitating impactful lending decisions in alternative data contexts.
Responsibilities:
- Analyze portfolio performance and identify opportunities to improve profitability through credit strategy
- Model the probability of repayment, default and fraud from incomplete and alternative data, and build the statistical inference behind it
- Turn that analysis into the credit rules themselves: approval strategy, underwriting requirements, first-loan sizing and customer segmentation
- Optimize underwriting requirements and reduce unnecessary customer friction
- Design and assess experiments to improve lending outcomes
- Quantify trade-offs between growth, risk, customer experience and profitability
- Translate analysis into practical underwriting and portfolio recommendations
Requirements:
- Experience in at least one of: portfolio strategy or analytics, underwriting strategy, lending strategy, risk management, or another analytical role involving high-consequence decision-making under uncertainty
- Used data and probabilistic reasoning to make or influence important business decisions
- Evaluated trade-offs between competing objectives under uncertainty
- Applied analytical judgment rather than relying solely on predefined rules or models
- Translated analysis into practical business decisions and recommendations
- Been accountable for the business outcomes of those decisions, not simply the quality of the analysis
- Working capability, hands-on: statistical inference and probability; causal reasoning and selection bias; practical modeling — logistic regression, scorecards, gradient boosting — with clean validation discipline and no data leakage; experiment design and power; expected-value analysis; segmentation
- Python and SQL at analysis-and-modeling level
Benefits:
- USD contractor
- Fully remote, location-flexible, with meaningful daily overlap with the Americas
- Real ownership from day one, across multiple markets
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