Principal Analyst - Credit Risk

Role Description

As our Principal Analyst for Loss Mitigation & Forecasting , you will occupy one of the most vital strategic seats within the Consumer Lending business. You are not a regular reporter; you are the technical mastermind responsible for guarding our capital, forecasting portfolio losses, and optimizing how we recover capital from non-performing loans. Operating on the highest tier of our individual contributor (IC) track, you will design the data models, contact strategies, and predictive collections infrastructure that protect Félix’s balance sheet. This role requires an absolute expert in data autonomy who can bridge the gap between heavy math modeling and aggressive operations execution.

Responsibilities

• Loss Mitigation Strategy: Architect and execute next-generation loss mitigation strategies to optimize collections and recoveries for bad loans.
• Conversational Operations Alignment: Partner directly with the Operations team to define automated contact strategies, determining ideal customer methods and friction-free touchpoints (utilizing WhatsApp, automated flows, and omnichannel systems).
• Predictive Collections Modeling: Collaborate with the Data/Analytics Engineering team to build advanced collections models (e.g., propensity-to-pay scorecards) to optimize and prioritize resources for maximum recovery ROI.
• Loss Forecasting & Resiliency: Build and own loss forecasting models (CECL methodology) establishing corporate capital resiliency measures.
• Budgeting & Capacity Planning: Formally manage and report on the organization's credit loss budget and operational capacity planning to the C-suite.
• Vendor Evaluation & Procurement: Lead the evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software solutions.

Qualifications

• 5+ years of proven quantitative experience in Credit Risk Analytics, with a definitive specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/Provisioning.
• Exceptional, hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling (Python or R). You are completely independent in building your own data structures.
• Deep understanding of modern collections tech; bonus points if you have designed recovery frameworks within digital/conversational channels (WhatsApp/SMS ecosystems).
• Expert capability to present technical risk data and financial impacts smoothly to the C-suite, founders, and bank sponsors.
• Proven history of steering large cross-functional initiatives independently, discovering the problems that need solving without a roadmap.

Requirements

• Elite Credit Risk Background.
• Technical Sovereignty.
• Collections Innovation.
• High-Level Communication.
• Extreme Ownership & Autonomy.

Benefits

• Competitive salary.
• 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.