NOVACARD
Fintech • Banking • B2C
NOVACARD is a Mexican consumer credit-card provider and fintech offering a transparent, no-hidden-fee credit card with flexible credit limits (MXN 1,000–200,000), 0 annual fee, cashback rewards (5% at supermarkets, 0. 5% on other purchases), transfers, and a mobile app with a 28-day interest-free period. Operated by Unitron Technology S. A. P. I. de C. V. , NOVACARD targets consumers seeking simple, low-cost credit solutions and transparent terms.
Head of Risk Portfolio
4 days ago
NOVACARD
Fintech • Banking • B2C
NOVACARD is a Mexican consumer credit-card provider and fintech offering a transparent, no-hidden-fee credit card with flexible credit limits (MXN 1,000–200,000), 0 annual fee, cashback rewards (5% at supermarkets, 0. 5% on other purchases), transfers, and a mobile app with a 28-day interest-free period. Operated by Unitron Technology S. A. P. I. de C. V. , NOVACARD targets consumers seeking simple, low-cost credit solutions and transparent terms.
📋 Description
• Define and manage the credit card origination strategy • Set and monitor credit limits, ensuring portfolio quality and growth • Lead and develop a team of analysts and data scientists • Monitor and predict key portfolio metrics: risk costs, vintage NPL, CoR, Roll Rate • Drive budgeting and forecasting (CoR, provisions, unit economics) • Collaborate with cross-functional teams to align risk strategy with business objectives
🎯 Requirements
• English level — B2 (Upper-Intermediate): confident reading of technical documentation, professional correspondence, and participation in meetings and discussions in English • Degree from a top university in Mathematics, Economics, Physics, or a related analytical field • 5+ years of experience in retail banking or fintech in credit card risk management • Proven experience in leading and developing data teams • Strong understanding of risk metrics (vintages, NPL, CoR, roll rates) with ability to forecast and manage them • Knowledge of credit card economics, including P&L and unit economics • Experience applying machine learning principles to approval and limit management processes.
🏖️ Benefits
• Fully remote work format. • Official employment under the Russian Labor Code (for residents of Russia); contractor collaboration available for candidates from other countries. • Potential option for relocation support to Mexico after successfully completing the probationary period (3 months) — negotiable. • Opportunity to work in an international team on a new digital product for the Mexican market. • A data-driven environment where your contributions have a real impact.
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