Senior Credit Risk Manager
SENIOR CREDIT RISK MANAGER
At most companies, credit policy goes through a committee. At Nelo, you own it. We're $500MM in GMV, profitable, and growing — and the person who will map our bureau data and tighten the credit box hasn't joined yet.
You will set and iterate on approval and decline rules, line assignment, pricing, and loan duration policies for a portfolio of Mexican consumers. You'll write your own SQL, run your own experiments, and make changes that show up in gross profit. The outcomes are specific: model portfolio resilience in month one, close cohort variance gaps by month three, and generate a 1pp gross profit gain by month four. Within a year, the credit policy changes you make should produce $1MM in cumulative gross profit that wouldn't have existed otherwise.
ABOUT NELO
Nelo is a (profitable) leading consumer fintech and e-commerce platform in Mexico, with >$500MM in annualized GMV and >$80MM in annualized revenue. Our mission is to increase consumers' buying power in Latin America, and we're doing so by building an AI-native platform powered by credit.
Nelo has raised over $40M of venture capital from investors including Homebrew, Two Sigma Ventures, and Susa Ventures. Nelo has additionally raised a $100M asset credit facility from Victory Park Capital.
Our lean team includes experienced leaders from top technology companies such as Uber, Amazon, Rappi, and DiDi.
We pride ourselves on our velocity, intellectual rigor, and efficiency.
Nelo has offices in Mexico City and New York City.
WHAT YOU'LL WORK ON
- Bureau data is 35-45% of our acquisition model weighting. We know what it's doing in aggregate. We haven't gone deep on what Círculo and Buró are actually reporting at the field level — past due flags, account history, product-type nuances. You'll own that analysis and convert it into underwriting policy changes.
- We have acquisition cohorts where expected and actual loss performance are diverging across stable segments. Your...