Company Description
Nexo is a financial operating system that helps small and medium-sized businesses gain clear visibility and control over their spending. The platform integrates seamlessly with existing financial systems, turning raw transaction data into actionable insights. By streamlining financial workflows, Nexo supports smarter decision-making and better cash flow management for SMBs. The company focuses on delivering a smooth, modern, and advanced experience for both sellers and buyers. Nexo's solutions are designed to be scalable and user-friendly, making it easier for growing businesses to manage risk and optimize performance.
About the Role
You'll own credit risk across the customer lifecycle — from origination and underwriting strategy through portfolio monitoring and collections. This role blends quantitative rigor with commercial judgment: you'll design data-driven credit policies and scorecards that balance growth, profitability, and loss control in a fast-moving fintech environment.
What You'll Do
- Develop, implement, and continuously refine credit risk policies, scorecards, and decisioning strategies across the lending lifecycle.
- Build and optimize underwriting models and automated decision rules, leveraging both traditional and alternative data sources.
- Monitor portfolio performance — delinquency, default, roll rates, vintage analysis — and act on early-warning signals.
- Set and manage risk appetite, credit limits, and provisioning in partnership with Finance.
- Partner with Data Science and Engineering to deploy and validate credit models and decision engines.
- Define and track key risk KPIs and report on portfolio health to leadership and stakeholders.
- Ensure credit practices comply with relevant regulatory requirements and internal governance.
- Continuously balance growth objectives against loss rates to optimize risk-adjusted returns.
What You'll Bring (Must-Haves)
- 5+ years in credit risk management, **with direct experience in a fintech or digital lending environment.
- Strong understanding of the full credit lifecycle: origination, underwriting, portfolio management, and collections.
- Hands-on experience building or managing credit scorecards, decision strategies, and risk models.
- Proficiency with data analysis (SQL required; Python or R strongly preferred).
- Solid grasp of credit risk metrics (PD, LGD, EAD, expected loss, vintage/roll-rate analysis).
- Familiarity with the regulatory landscape for consumer/SME lending in [jurisdiction].
- A commercial mindset — able to weigh risk against growth, not just minimize losses.
Nice-to-Haves
- Experience with alternative data and ML-driven credit models.
- Exposure to [BNPL / SME lending/consumer credit / embedded finance] products.
- Experience scaling a credit function at an early- or growth-stage fintech.
- Relevant qualifications (FRM, CFA, or quantitative/finance degree).
What We Offer
- Competitive salary: Salary Range
- Benefits, equity, learning budget, etc.
- Ownership of a core risk function in a high-growth lending business — your decisions directly shape the portfolio.
