Risk Manager

Descripción de la oferta

About our purpose

At KrediYA, we work to promote financial inclusion across the region by building fast, responsible, and data-driven credit solutions. Our purpose is to create real impact on people’s lives while ensuring sustainable business growth through technology, analytics, and strong risk management.

About the role purpose

The Risk Manager will be responsible for the overall profitability of KrediYA’s products in Panama, leading the country’s credit risk strategy. This role has a direct impact on business results and involves key decision-making across credit policy, scoring models, fraud prevention, and partially collections, ensuring a balanced approach between growth, risk, and profitability.

Key responsibilities


Define, implement, and continuously optimize credit policies for all products in Panama.
Lead the development, monitoring, and calibration of credit scoring models.
Oversee fraud prevention and detection strategies and controls.
Contribute to collections strategies from a risk and profitability perspective.
Analyze portfolio performance and product profitability, proposing improvements in pricing, processes, and decision rules.
Make strategic decisions within the risk area and collaboratively with product, operations, and technology teams.
Ensure risk decisions positively impact the country’s financial results.
Role requirements


Proven experience leading credit risk functions within financial institutions or fintech environments.
Strong understanding of credit products and profitability drivers.
Ability to make high-impact, data-driven decisions.
Experience working cross-functionally and leading teams.
Fluent English and Spanish (written and spoken).
Technical knowledge
Credit policies and risk frameworks.
Scoring models and decision engines.
Fraud management and risk controls.
Portfolio analysis, pricing, and profitability metrics.
Core skills


Strategic thinking with a strong business mindset.
Analytical and decision-making capabilities.
Leadership and stakeholder management.
Results-oriented with a focus on sustainable growth.
Benefits


High-impact role influencing country-level financial performance.
Autonomy to make strategic decisions across risk, product, and processes.
Exposure to regional and cross-functional teams.
Professional growth opportunities in a fast-paced fintech environment
Our commitment
At KrediYA, we are committed to building a diverse and inclusive workplace where innovation, accountability, and continuous learning drive both personal and professional growth.

Requerimientos

• Educación mínima: Universidad
• 5 años de experiencia

Palabras clave: riesgo, risk, lider, jefe, gerente, manager, director, chief, lead, jefatura, regente

23 de marzo (actualizada)

Acerca de KrediYa

KrediYA es una fintech cuyo principal objetivo es ayudar a que las personas a adquirir celulares a crédito en Latinoamerica. ¡Contamos con una app que te da tu crédito tan rápido que no lo podrás creer!

Salarios