At r2, we believe that small and medium businesses are the productive engine of society. Small and medium businesses (smbs) make up over 90% of companies in latin america, yet they face a trillion-dollar credit gap. Our mission is to unlock smbs' potential by providing financial solutions that are tailored to their needs. We are reimagining the financial infrastructure of latin america - where smbs financial needs are satisfied without ever having to go to a bank.r2 enables platforms in latin america to embed financial services that smbs can then leverage (starting with revenue-based financing). We are a tight-knit team coming from organizations such as google, amazon, nubank, uber, capital one, mercado libre, globant, j.p. Morgan. We are entering a new phase of growth following a strategic investment from ant international, focused on rapidly expanding our partner footprint, strengthening our credit and underwriting capabilities, and scaling our operations across multiple markets.we are looking for a credit risk portfolio manager to join our growing fintech team and take ownership of credit performance across our lending products. This role will be central to shaping credit strategy, developing portfolio monitoring frameworks, and driving data-backed decisions that balance growth and risk.the ideal candidate combines strong analytical and sql skills with a solid understanding of credit lifecycle management, enjoys collaborating across teams, and can translate data insights into actionable recommendations for senior management and the credit committee.key responsibilities:credit performance & portfolio monitoringmonitor portfolio health and credit kpis, including delinquency, default, prepayment, and loss metrics.develop dashboards and performance reports using sql and bi tools.track early warning indicators (fpd, vintage curves, npl, recovery rates, etc.) to identify emerging risks.perform segmentation and cohort analyses to understand behavior by product, partner, or customer type.conduct a/b testings, generate experiments with statistical support to improve policies and reduce risk.risk strategy & policy developmentsupport the definition and periodic update of credit policies, approval rules, and scorecard cutoffs.conduct deep dives into portfolio trends and recommend changes in underwriting or risk appetite.prepare materials and present monthly insights and recommendations to the credit committee.partner with data science to design, test, and monitor risk models and decision engines.cross-functional collaborationwork closely with product, growth, operations, and data teams to support new product launches, credit initiatives, and process improvements. Ensure compliance with internal governance and external regulatory requirements.analytics & reportingbuild and maintain credit risk dashboards to track kpis, originations, and portfolio quality.develop new risk metrics to measure portfolio adoption, cohort performance, and portfolio profitability.support ad-hoc analytical projects (e.g., stress testing, policy simulations, pricing impact analysis).qualifications:background in economics, finance, statistics, engineering, or a related field.5–9 years of experience in credit risk, portfolio analytics, or lending analytics, ideally in fintech, banking, or consumer finance.strong sql and data manipulation skills; proficiency in python, r, or other analytical tools a plus.experience with bi tools (looker, tableau, power bi, etc.) and kpi tracking frameworks.strong analytical and problem-solving skills with the ability to translate data into strategic insights.excellent communication skills and experience presenting to senior leadership.ability to manage multiple priorities and stakeholders in a fast-paced, evolving environment.preferred:experience with credit/lending, alternative data sources/familiarity with credit scorecards, decisioning systems, or risk-based pricing.understanding of regulatory requirements for credit operations in emerging marketsexposure to portfolio forecasting, stress testing, or loss provisioning methodologies.location: remote - preference: brazil or argentina