What are the responsibilities and job description for the Risk Portafolio Manager position at Jobgether?
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Risk Portfolio Manager based in Brazil.
This is a high-impact opportunity for an experienced credit professional to take ownership of a growing portfolio across Latin America.
You will combine credit expertise, quantitative analysis, and business judgment to understand portfolio performance end to end.
The role focuses on monitoring losses, profitability, originations, NPLs, portfolio health, and overall portfolio construction.
You will also evaluate high-ticket merchant credit facilities at scale, translating complex data into sound risk decisions.
Hands-on SQL and/or Python analysis will be central to extracting insights, identifying patterns, and improving monitoring.
Working closely with business stakeholders, you will influence decisions in a fast-moving, entrepreneurial fintech environment.
This is an opportunity to shape credit risk practices, automation, and portfolio strategy across multiple Latin American markets.
- Own end-to-end monitoring of the credit portfolio, including vintages, losses, originations, NPLs by cohort, profitability, and overall portfolio health.
- Evaluate and underwrite high-ticket merchant credit facilities, typically involving exposures of USD 100K–200K or more, with a scalable portfolio-level approach.
- Define, monitor, and analyze key business and credit metrics covering losses, yield, profitability, portfolio construction, and risk performance.
- Work hands-on with SQL and/or Python to independently extract, structure, analyze, and interpret portfolio data.
- Apply statistical reasoning and data analysis to identify trends, patterns, emerging risks, and opportunities across large datasets.
- Partner closely with business teams and participate in client interactions when required, balancing commercial priorities with disciplined credit judgment.
- Generate actionable findings and translate analytical insights into clear presentations for broader stakeholder groups.
- Automate portfolio KPI monitoring and contribute to improving risk-control processes and analytical tooling.
- Support the continuous evolution of credit and portfolio-management practices as operations scale across Latin America.
Requirements
- Approximately 7 years of experience in credit, lending, credit risk, business analytics, or within a lending institution, with meaningful exposure to real credit products.
- Professional background in a fintech, payment processor, POS provider, bank, or similar financial institution, with strong practical credit and lending experience.
- Hands-on underwriting experience, ideally involving large or high-ticket merchant credit, with the ability to evaluate credit at scale rather than exclusively through individual case-by-case analysis.
- Strong SQL and/or Python skills for data extraction, structuring, analysis, and investigation; this is a core technical requirement for the role.
- Solid statistical and data literacy, including comfort with statistical fundamentals, data analysis, and interpreting analytical or risk models.
- Strong understanding of portfolio economics, including loss, yield, profitability, cohort performance, portfolio construction, and portfolio health.
- Experience with corporate or B2B cards is considered relevant, particularly underwriting experience involving high credit limits such as USD 1M .
- Familiarity with AI-powered tools is a plus, combined with strong independent subject-matter knowledge and judgment.
- Experience working with US or Latin American teams across different time zones and cultural contexts is highly desirable.
- Ability to thrive in a fast-moving, startup-style environment, demonstrating ownership, adaptability, analytical thinking, and strong business judgment.
- Candidates from traditional financial institutions, including large banks, are welcome when they bring relevant credit/lending expertise and demonstrate the ability to operate effectively in a dynamic environment.
Benefits
- Opportunity to join a high-impact, mission-driven fintech with regional scale.
- Ownership of tooling, automation, and processes supporting the credit-risk control environment.
- Significant exposure to strategic portfolio management and credit decisions.
- Cross-functional collaboration with high-performing teams across Latin America.
- Exposure to complex regulatory challenges and innovation in embedded finance.
- Fast-paced, growth-oriented startup environment with opportunities to influence strategy and processes.
- Remote work model.
- Position available in São Paulo, Brazil, or Buenos Aires, Argentina.
- Eligible team members may participate in a performance-based Phantom Share Program designed to align individual contribution with long-term value creation.
How Jobgether works:
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Why Apply Through Jobgether?
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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