Hi! We're looking
for a Credit Risk Model Lead
Panama
Full-time
Punto Pago
Punto Pago is a leader in Panama's financial sector, serving nearly 1 million monthly active users through its mobile applications and network of 1,300 offline kiosks. Punto Pago offers a unique blend of services, including payments, P2P transfers, credit cards, and a comprehensive marketplace, all within a single, user-friendly application.
About us
Size:
Founded:
70
2009
Headquarter:
Panama
✨ Job Description
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.
✋ Meet the team
  • Andrey Gorsky
    Founder & CEO
  • Amir Bikti
    Chief Product Officer
  • Daniel  Barrientos
    Head of Payments
  • Juan David Moreno
    Head of Fintech
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