Credit Decisioning Specialist

CRNCY Group is seeking a Credit Decisioning Specialist to help build the world's best underwriter of credit risk using alternative data. You will play a critical role in making lending decisions in markets where traditional credit information is limited, directly impacting financial inclusion.

Key responsibilities

• Analyze portfolio performance to identify opportunities for improving risk-adjusted profitability.
• Model repayment, default, and fraud probabilities using incomplete and alternative data.
• Translate complex analysis into actionable credit rules, including underwriting requirements and customer segmentation.
• Design and assess experiments to optimize lending outcomes and reduce customer friction.
• Quantify trade-offs between growth, risk, and profitability while maintaining accountability for business outcomes.

Requirements

• Strong background in a quantitative discipline such as Statistics, Economics, Mathematics, or Engineering.
• Proven ability to use data and probabilistic reasoning to influence high-consequence business decisions.
• Hands-on experience with statistical inference, causal reasoning, and practical modeling techniques.
• Proficiency in Python and SQL for independent analysis and modeling.
• Fluent in both English and Spanish.

What we offer

• Fully remote, location-flexible role as a USD contractor.
• Direct collaboration with credit leadership and the founder with a short path from analysis to decision.
• Real ownership of credit strategies across multiple international markets from day one.