PuntoPago (puntopago.net) is a fast-growing fintech startup headquartered in Panama. We’re looking for a Credit Risk Model Lead who will develop and implement our credit risk framework from the ground up. This is a unique opportunity to shape the strategy, processes, and technology stack of a hypergrowth startup—without the constraints of traditional banking environments.

What You’ll Do

• Design & Build: Define and build credit risk models to support our expanding product portfolio (credit cards, BNPL, and more).
• Data Strategy: Identify, collect, and analyze the data points necessary for robust risk assessments and continuous model improvements.
• Risk Management: Develop risk policies, procedures, and best practices to maintain credit quality and regulatory compliance.
• Collaboration: Partner with Product, Engineering, and Analytics teams to integrate risk models into our platforms, ensuring a seamless customer experience.
• Leadership: Provide strategic guidance on credit risk topics, including emerging fintech trends and industry best practices.
• Innovation: Drive experimentation and iterative improvements to keep our risk models at the cutting edge of fintech.

What You’ll Bring

• Startup Mindset: Demonstrated ability to build and iterate rapidly in a fast-paced, entrepreneurial environment.
• Technical Expertise: Proven experience in developing credit risk models—preferably with a background in machine learning, statistical modeling, or advanced analytics.
• Industry Insights: Background in fintech is strongly preferred; banking-only experience may not be a fit.
• Adaptability: Willingness to work remotely or consider relocation to Panama, depending on business needs.

Our Values

• Collaboration: We believe in open communication and working together to solve challenges.
• Iteration: We ship small and fast, learning constantly from our successes and failures.
• Transparency: We share our work openly and value honest feedback.
• Inclusion: We respect and celebrate our diverse backgrounds, perspectives, and experiences.

Compensation & Benefits

• Competitive Salary: Based on experience and qualifications.
• Equity Options: Opportunity to share in the company’s success.
• Flexible Work: Remote-first culture with the possibility of relocation if desired or necessary.