Risk Analyst

Risk Analyst About Aplazo Aplazo is Mexico’s leading “buy now, pay later” platform, giving consumers flexible, transparent payment solutions while helping merchants grow their sales. We’re a fast-growing Series B fintech backed by top global investors, combining technology, data, and design to redefine financial access. Our team is driven by curiosity, fueled by passion, and united by a customer-centric culture that guides every decision we make. With AI-powered risk management and a relentless focus on impact, we’re building a fairer, more inclusive financial ecosystem—scaling fast to become Mexico’s preferred payment method. Role’s Mission The Senior Risk Analyst will play a key role in Aplazo's risk management function, contributing hands-on analytical work across credit, fraud, and customer acquisition strategies. Reporting to a Risk Manager, this analyst will develop data-driven insights and build solutions that directly improve risk decisioning, protect the business from losses, and support sustainable portfolio growth. This role is ideal for someone who is technically strong, intellectually curious, and eager to own meaningful workstreams in a fast-paced fintech environment. Key responsibilities - Risk Analytics & Monitoring: Develop, maintain, and enhance dashboards, reports, and analytical frameworks to monitor portfolio performance, fraud trends, and acquisition quality. - Credit & Fraud Strategy Support: Contribute to the design, testing, and optimization of credit policies, underwriting rules, and fraud prevention strategies to improve the margin profile of the business. - Testing & Experimentation: Design and analyze champion/challenger tests and other experiments to evaluate strategy changes, measure impact, and recommend next steps. - Data Analysis & Insights: Conduct deep-dive analyses to identify risk drivers, emerging patterns, and opportunities for improvement across the customer lifecycle (acquisition, customer management, collections, fraud). - Cross-Functional Collaboration: Work closely with Product, Engineering, Data Science, and Operations to translate analytical findings into actionable product and process improvements. - Automation & Tooling: Build and improve automated processes, queries, and lightweight tools to increase the speed and efficiency of the Risk team's analytical workflows. - Documentation & Governance: Maintain clear documentation of methodologies, policies, and analytical outputs to support governance and compliance standards. Requirements - Years of experience: 2–3 years of experience in risk analytics, credit risk, fraud, or a related quantitative role, ideally within consumer lending or fintech. - Technical skills: - Strong proficiency in SQL and Python for data extraction, manipulation, and analysis. - Experience building and interpreting risk models, scorecards, or rule-based decisioning frameworks is a plus. - Comfortable working with GitHub in the context of a data analysis workflow. - Familiarity with statistical methods and A/B testing methodologies. - Soft skills: - Analytical mindset with strong attention to detail and a bias for action. - Clear communicator — able to translate complex data into concise, actionable recommendations for both technical and non-technical stakeholders. - Self-starter who thrives in ambiguity and can manage multiple workstreams with minimal supervision. - Collaborative and curious, with a genuine interest in how risk intersects with product and customer experience. Languages: - English: Native or advanced - Spanish: Desired Personal data collected during the recruitment process will be processed in accordance with the Privacy Notice of Aplaz, S.A. de C.V. (“Aplazo”), available at our Privacy and Policy Notice https://aplazo.mx/privacy-and-policy. Aplazo does not discriminate on the basis of race, religion, skin color, sex, gender, age, ethnic or national origin, marital status, disability, social or economic status, s ... (truncated, view full listing at source)