CRNCY (BZ) Limited

Role Description CRNCY Group is seeking a Credit Risk Analytics Specialist to help improve credit rule calibration and first-time loan sizing across our lending portfolio. The main objective of this role is to use historical application, loan, repayment, and collections data to determine whether our current underwriting rules are properly sizing first loans and approving the right customers. The role will focus on: - Identifying where we may be under-lending to strong customers. - Over-lending to higher-risk customers. - Creating adverse selection through our current rules. Over time, the role should help CRNCY move toward a more risk-based credit system, including: - Stronger customer segmentation. - Better loan amount calibration. - Improved performance measurement. - Risk-based pricing or variable rates. Qualifications - Experience helping a lender move from basic, rule-based underwriting to a more data-driven and risk-based credit model. - Worked in environments with basic, conditional, or one-size-fits-all credit rules while maintaining strong repayment discipline, low risk tolerance, and high recovery performance. Requirements - Improving underwriting in practical, step-by-step stages. - Using messy internal lending data to identify repayment patterns, customer risk, and affordability signals. - Calibrating loan amounts based on customer risk, income, payment capacity, and repayment behavior. - Introducing customer segmentation, scorecards, risk tiers, or probability-of-default models. - Testing credit rule changes in controlled increments before full rollout. - Using delinquency, default, collections, and repeat-borrowing data to improve underwriting decisions. - Supporting the move from flat pricing or one-size-fits-all offers toward risk-based pricing or variable rates. - Operating in markets where external credit bureau data, open banking, cashflow tools, or alternative data providers are non-existent or not fully integrated. Technical Skills Needed - SQL and Python to analyze application, loan, repayment, default, and collections data. - Credit risk modeling, including probability of default, first-payment default, scorecards, and customer risk segmentation. - First-loan sizing and affordability analysis, including payment-to-income rules and loan amount calibration. - Modeling techniques such as logistic regression, XGBoost, LightGBM, or similar practical machine learning methods. - Cohort analysis and portfolio performance tracking, including delinquency, default, expected loss, repeat borrowing, and collections outcomes. - Model validation and backtesting, including out-of-time testing and data leakage prevention. - Scenario testing and controlled experiments, including champion/challenger testing, A/B testing, Bayesian testing, causal inference, or Monte Carlo simulation. - Predictive customer value analysis, including repeat borrowing behavior, customer lifetime value, and risk-adjusted profitability. - Analytics and decisioning tools, such as BigQuery, Power BI, dbt, Taktile, Provenir, Alloy, Zoot, or similar platforms. What Success Looks Like - Clear customer risk segments. - Better first-loan amount bands. - Identification of under-lending pockets. - Recommendations for rule changes and approval thresholds. - Scenario analysis showing expected impact on approvals, defaults, collections, conversion, and profit. - Monitoring reports to track whether changes are working. - A practical roadmap toward risk-based pricing and scalable credit decisioning. What We Do Not Need We are not looking for a general business/process analyst, a research-heavy data scientist, or someone who depends on perfect external data, credit bureaus, open banking, or advanced AI tools to produce useful insights. The right person must be practical, hands-on, and able to work with the data we have today to solve the immediate first-loan sizing and underwriting calibration problem before moving into more complex modelling or long-term optimization. Compensation This is a contract-to-hire role with an expected hourly range of US$125–$175 per hour, depending on experience. Final compensation will be based on the candidate’s hands-on credit risk modeling experience, technical skillset, lending background, and ability to translate analysis into practical underwriting recommendations.

Role Description You are a "Product-minded" analyst. Perhaps you started your career as a Business Analyst or a PM, but you’ve since graduated into a specialization in business process architecture at enterprise scale. You are a rare hybrid: you have the agility, drive, and passion to thrive in a 10-person San Francisco startup, yet you possess the rigor and experience to slide seamlessly into a Senior BA role for a major "Big Four" bank in Charlotte. This is a Product-adjacent role. You will work in concert with our Product team, focusing on internal process mapping and translating those into the functional requirements that drive our SaaS implementations and proprietary builds. You aren’t here to dictate the product roadmap; you are here to architect the internal workflows that allow Product and Engineering to build amazing, scalable solutions, and assist company Leadership in authoring workflows and optimizing processes. What You’ll Do - Process Mapping & Optimization: Deep-dive into our internal workflows—from loan origination to collections—and map them with surgical precision. You make the "how" visible so Product can build the "what." - Translate Strategy to Execution: Convert complex business processes into clear, functional requirements and user stories for our engineering teams and SaaS implementation partners. - The "Ambiguity" Whisperer: Extract requirements from business users who may be poor communicators or unfamiliar with Product methodology. You turn vague pain points into actionable technical specs. - Solution Architecture Contribution: Participate in high-level architecture conversations. You don't need to write the code, but you must understand how data flows between systems to ensure your process designs are technically feasible. - Pragmatic Documentation: You are a supreme documenter who knows that over-documenting is as useless as no documentation. You strike the perfect balance of brevity and detail. Your DNA - Prompt Engineering Ninja: You don’t use AI casually. You leverage it to accelerate your workflow, automate documentation, and solve problems with 10x efficiency. - Serious Team Player: You know that group success is individual success. You are driven by the internal customer experience—if the internal tools work perfectly, the external customer wins. - Supremely Confident, Not Arrogant: You’ll defend your ideas with data, but you know you'll never stop learning. You believe the most junior employee may have the best idea in the room. - Expert Communicator: You are a superb writer. You could take an internal spec, publish it on the company webpage, and do so with pride knowing it represents the brand perfectly. What Success Looks Like - Two Weeks: You have a strong understanding of our customer journeys and critical workflows. You’ve produced visuals mapping these flows and have a general grasp of our current technical transformations. - One Month: You’ve mapped the majority of central business workflows and identified optimization gaps. You’re making material contributions to functional specs for a massive software implementation already underway. - Three Months: You’ve mapped all business processes and are suggesting optimizations. You are seen as the "go-to" resource for process knowledge—if you don't know the answer, you'll get it, document it, and ensure it’s never a "missing" piece again. The Logistics - Location: Remote across North / Central / South America. - Reporting: Reports to Technology leadership; considered part of the Product discipline, working closely with the Executive and Engineering teams. - Tooling: Strong grasp of modern business software/tooling outside the Microsoft stack (Miro, Figma, etc.). Must-Haves - 5+ years experience in a Product or Business Analyst role - ideally in a Lead Analyst or Product Manager capacity - Extensive experience working with distributed cross-functional teams - Strong grasp of modern business software/tooling outside the Microsoft stack (Miro, Figma, etc.). - Impeccable writing skills Nice-to-Haves - 2+ years working in a financial services or fintech company analyzing and documenting complex workflows and business processes - Experience at both the startup and enterprise level - Proven experience optimizing business-critical workflows - Served as lead analyst for large software implementation engagements Salary Information - US Employees: The salary range for US employees is $105,000 to $137,500 depending on experience and physical location, and may participate in a company-sponsored health plan. - Outside the US: - Belize: Employees may have expectations for on-site or hybrid working arrangements, and will have a competitive compensation and benefits package for their location. - Barbados: Employees are remote and have a competitive compensation and benefits package. - Panama: Employees will be remote, and are offered the competitive packages supported by local Employer-of-Record. - Remote outside of the above locations on an independent contractor basis only.

• Facilitate CRNCY Group’s market entry and building the operation from the ground up. • Ensure licensing & regulatory readiness, team hiring and leadership. • Establish relationships with 3rd party entities such as banks, payment processors, collection attorneys & agencies. • Direct all work performed and fully manage all areas of operation in the country. • Accountable for overall operational productivity, efficiency, compliance, and effective management ensuring customer satisfaction to meet goals set by the company.