Quantitative Risk Management Specialist

Há 7 dias

São Paulo, São Paulo, Brasil beBeeRisk Tempo inteiro

At PayJoy, we are on a mission to bring financial stability and success to underserved customers in emerging markets. Our patented technology transforms smartphones into digital collateral, while our cutting-edge machine learning, data science, and anti-fraud AI enable us to offer the lowest cost and qualify the most customers in the industry.

As of 2025, we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

The Risk Manager is responsible for the performance of one or more portfolios, using a data warehouse to build analysis, policy recommendations, pricing, and controls that optimize risk outcomes for business and future new markets.


Responsibilities
  • Extract and manipulate data to make data-driven, actionable recommendations about how to improve outcomes using SQL, R, or Python.
  • Make actionable recommendations about how to improve outcomes based on data analysis and a deep understanding of how our product works.
  • Work closely with the Data Science team to price and implement ML and AI models that optimize portfolio outcomes.
  • Define, implement, and monitor A/B Tests with the product and marketing team to improve our product and help us reach more customers.
  • Write succinct and thoughtful documentation that explains your recommendations.
  • Own risk KPIs for one or more portfolios.
Requirements
  • Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering, or a similar quantitative field.
  • 4+ years of experience in risk management functions in fintech or commercial banking, working with credit cards or other consumer lending products.
  • Experience working with Credit Limit Increase programs and with scaling products from 0 to scale in a fast-paced startup environment is a plus.
  • End-to-end problem-solving skills, including framing of the problem, analytical research, discussion/debate, and the ability to present solutions to cross-functional stakeholders at all levels of the organization.
  • Understanding of statistical tools and methods, and experience working with large data sets.
  • Mastery of SQL, Python, and other tools for data analysis.
Benefits
  • Phone finance, Headphone, home office equipment, and fitness perks.
  • $2,000 USD annual Co-working Travel perk.
  • $2,000 USD annual Professional Development perk.

We are proud to be an Equal Employment Opportunity employer and welcome people of all backgrounds. We do not discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion, Ownership, Break Through Walls, Live Communication, Transparency & Directness, Focus on Scale, Work-Life Balance, Embrace Diversity, Speed, Active Listening.

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