Requirements
- 10+ years of progressive experience in credit risk across the full lifecycle (origination, portfolio, collections), with a minimum of 5 years in a 2nd Line risk oversight or governance role in a regulated context.
- Track record of establishing or significantly transforming comprehensive credit risk governance programs (including frameworks, policies, and charters) in high-growth environments.
- Demonstrates the ability to translate operational credit risk knowledge into effective independent 2nd-line challenge, validation, and risk-assurance practices.
- Experienced in defining, monitoring, and reporting qualitative and quantitative credit risk appetite statements
- Skilled in ensuring measurable alignment between quantitative metrics and the Board-approved Risk Appetite Framework and relevant regulatory expectations.
- Able to communicate fluently in English, a requirement for high-level reporting and international coordination.
- Strong understanding of Colombian financial regulations (e.g., Circular Básica Contable y Financiera from Superfinanciera) or a proven ability to learn them quickly and apply them immediately to the framework.
- Experienced in designing and maintaining credit risk control frameworks that achieve auditable compliance with these regulatory standards.
- Experienced in defining provisioning policy and guardrails under IFRS 9 Expected Credit Loss framework.
- Conducts ongoing independent validation of staging logic, parameter calibration, and scenario assumptions.
- Experienced in performing independent validation of all relevant credit decision models, defining appropriate 1st and 2nd line delineation.
- Capable of conducting rigorous back-testing, performance monitoring, and stability analysis to identify model drift, data quality issues, and calibration weaknesses.
- Adept at challenging underwriting policy changes, new product launches, and credit strategy shifts, translating complex metrics into clear, data-driven recommendations for the CRO and Governance bodies.
- Deep understanding of portfolio segmentation, cohort analysis, vintage performance tracking, and early warning indicator (EWI) frameworks, with the ability to independently assess their adequacy.
- Skilled in designing and executing credit stress testing programs (macroeconomic shocks, concentration risk) and translating results into actionable insights for capital adequacy assessments and provisioning recommendations.
- Experienced in independently assessing the effectiveness of collections strategies, recovery rates, and write-off policies through performance analytics and benchmarking.
- Advocates for "sustainable-by-design" credit principles, successfully balancing growth ambitions with prudent risk-taking across product, underwriting, and collections functions.
- Leverages first-line empathy and operational credibility to influence and embed accountability for credit risk ownership throughout the business without direct authority.
- Champions continuous improvement, integrating lessons learned (e.g., vintage post-mortems, model back-testing results) into governance, policy, and credit training programs to mature the organization.
Benefits
- Competitive compensation & meaningful ownership – We believe in rewarding our talent. You’ll receive a generous salary, equity in the company, and benefits that go beyond the basics to support your growth.
Additional Information
- Able to communicate fluently in English, a requirement for high-level reporting and international coordination.
