Risk Portfolio Manager, LatAm
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Job Description
Portfolio Manager owning quantitative monitoring and underwriting of high-ticket merchant credit portfolios. R2 provides embedded financial solutions to Latin American SMBs.
Responsibilities:
- Own monitoring of 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 including 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
Requirements:
- Approximately 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 rather than manual case-by-case review
- Strong data analysis skills using SQL and/or Python
- Statistical and data literacy, including statistics, data analysis, and model interpretation fundamentals
- Comfort using AI tools is a plus
- Experience working with US or LatAm teams across time zones and cultures is a strong plus
- Corporate/B2B cards underwriting experience with high limits is relevant experience
- Credit/lending experience and cultural fit required for candidates from traditional or corporate backgrounds
Benefits:
- Eligible team members have the opportunity to participate in R2’s Phantom Share Program, a performance-based incentive aligned with the company’s long-term success and value creation
- Chance to join a high-impact, mission-driven fintech with regional scale
- Ownership of the tooling and automation behind R2’s control environment
- Cross-functional collaboration with exceptional teams across Latin America
- Exposure to complex regulatory challenges and innovation in embedded finance
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