About the job
Join NOVACARD in Transforming Credit Usage!
At NOVACARD, we are on a mission to revolutionize the way individuals manage credit. As Mexico’s first interest-free, no-annual-fee credit card, our innovative solution simplifies personal finances and empowers users to take control—entirely through a mobile app. With access to up to $200,000 MXN in credit and seamless digital management, we strive to enable smarter financial decisions through flexibility and transparency. Your financial freedom starts here.
About the Portfolio Risk Analyst Role
We are seeking a dedicated Portfolio Risk Analyst to enhance our risk management framework and drive data-informed decision-making throughout our product lifecycle. In this pivotal position, you will be responsible for designing and refining credit decision strategies within the point-of-sale (POS) lending landscape, tracking essential portfolio risk metrics, and transforming financial outcomes into actionable insights. Collaborating closely with data, product, and finance teams, you will help us find the ideal balance between growth and credit quality across our clientele.
This position is fully remote, with occasional travel for business purposes as needed.
Key Responsibilities
- Develop and oversee credit origination strategies in the POS lending process.
- Design and optimize decision-making strategies for application approvals and rejections.
- Manage credit limits and associated risk parameters to guarantee portfolio quality and profitability.
- Monitor and control risk metrics such as AR, PD, and NPL, assessing overall portfolio risk performance.
- Facilitate data-driven decision-making by converting financial results into quantifiable risk indicators.
- Collaborate with cross-functional teams including Data Science, Product, and Finance to align risk strategies with business objectives.

