Senior Credit Risk Analyst

About Us

AtFélix, we are building the indispensable financial companion for Latinos in the US. We combine an AI-powered, conversational-first interface with real-time financial infrastructure to make cross-border money movement as easy as sending a text. Starting with fast, affordable remittances powered by AI and crypto rails, we are expanding into credit, savings, and wallet services to support the complete immigrant financial journey. Our ambition is to deliver a white-glove financial experience with the simplicity of a conversation to a community the traditional financial system has historically overlooked.

We are a hyper-growth Series C company, backed by over $300 million in funding from top-tier global investors, including Andreessen Horowitz, QED, Castle Island, Switch Ventures, HTwenty, Monashees, General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an "Endeavor Entrepreneur" and was a recipient of the CrossTech Fintech Startups Award.

Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission-serving a community that has been underserved for too long because we are obsessed with our customers. We get things done with urgency and focus, driven by extreme ownership over our impact. We collaborate without ego, fostering radical transparency and fierce loyalty so we can grow together. Because we aim for insanely great rather than just good enough, we stay insatiably curious-always experimenting, building the future today, and delivering a product that truly makes our users' lives better.

About the Role

As Félix expands nationwide, we are scaling our Credit Risk function from the ground up to support our new Consumer Lending division. We are looking for a Senior Credit Risk Analyst who lives and breathes data, portfolio mathematics, and lending dynamics. You will own the quantitative frameworks behind our Send Now Pay Later (SNPL) product, directly impacting our bottom line by managing credit policies, loan pricing models, and portfolio health monitoring. If you want to move away from rigid, legacy corporate banking structures and deploy agile credit strategies in a hyper-growth tech startup, this seat is for you.

Responsibilities

• Lending Portfolio Leadership: Act as the lead credit analytics owner for the SNPL team, serving as the source of truth for credit insights.
• Executive Reporting: Own and deliver executive-level reporting regarding portfolio health, NPL (Non-Performing Loans) trends, and macroeconomic risk factors.
• Financial Modeling: Own and continuously optimize valuation frameworks, vintage analysis, and Net Present Value (NPV) credit models.
• Framework Architecture: Support, design, and build end-to-end credit analytics frameworks for SNPL and future digital credit products.
• Acquisition Credit Policy: Direct and manage the Acquisition Credit Policy, optimizing approval rates while keeping default risk tightly within target bands.
• Credit Monitoring & Surveillance: Maintain constant surveillance on credit distribution and reporting across multiple demographic cohorts.
• Customer Management Policy: Build, test, and iterate on Customer Management Credit Policies (e.g., credit limit increases/decreases, re-engagement rules).
• Model Integration & Testing: Partner with engineering to integrate new scoring models and champion-challenger testing mechanics directly into our production portfolio performance.
• Alternative Data Exploration: Research, validate, and integrate external alternative data sources (e.g., bureau data, behavioral analytics) to enhance predictive models.

Requirements

• Consumer Lending Pedigree: 4+ years of deep analytical experience in Credit Risk, explicitly managing unsecured consumer lending, credit cards, or digital lending products.
• Rigorous Analytics Toolkit: Expert level in SQL and statistical data modeling (Python/R, dbt, or similar data infrastructures).
• Sharp Lending Judgment: Proven track record of evaluating and defining credit policies, understanding tradeoffs between growth volume and loss provisions.
• AI/ML Familiarity: Experience working alongside data scientists to evaluate and integrate predictive ML credit scorecards.
• Strong Communication: Ability to package complex portfolio metrics into clear, high-level executive summaries for the C-suite and investment partners.
• Bias for Action: Thrives in an environment of rapid experimentation, moving fast to adjust credit strategies based on instant user behavior trends.
• These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

What We Offer

• Base: up to $130,000. Flexible depending on location and interview performance
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer

At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.

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