Portfolio Risk Analyst

At NOVACARD, we’re redefining how people use credit.
We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control – all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals.

About the Role

We are looking for a Portfolio Risk Analyst to strengthen our risk management capabilities and ensure data-driven decision-making across the product lifecycle. In this role, you will design and optimize credit decision strategies for point-of-sale (POS) lending, monitor key portfolio risk metrics, and translate financial performance into actionable risk insights. You’ll collaborate closely with data, product, and finance teams, playing a key role in balancing growth and credit quality across our customer base.

The role is remote, with occasional business trips if required.

Key Responsibilities

• Develop and manage credit origination strategies in the POS-lending process.

• Design and continuously optimize decision-making strategies for application approvals and rejections.

• Manage credit limits and related risk parameters to ensure portfolio quality and profitability.

• Monitor and control risk metrics such as AR, PD, and NPL; assess overall portfolio risk performance.

• Support data-driven decision-making by converting financial results into measurable risk indicators.

• Collaborate with cross-functional teams (Data Science, Product, Finance) to align risk strategies with business goals.