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Kafene

We offer a flexible and affordable form of consumer financing that helps retailers serve a wider segment of customers.

Senior Risk Analyst

RiskRiskFull TimeRemoteSeniorTeam 51-200Since 2019H1B SponsorCompany SiteLinkedIn

Location

Panama

Posted

42 days ago

Salary

$31K - $58K / year

Seniority

Senior

Bachelor Degree3 yrs expEnglishPythonSQLTableau

Job Description

Senior Risk Analyst

Kafene

• Evaluate new merchant applications using approved decision frameworks; assess profitability to identify the optimal deal that balances merchant demand with company margin requirements in a timely manner, and clearly document the rationale for decisions. • Review special pricing or product requests from existing merchants and recommend the best offer based on performance history and approved profitability analysis; deploy treatments in a timely manner. • Monitor portfolio performance against risk appetite and proactively recommend treatments, risk and pricing adjustments or termination to maintain a healthy merchant base. • Build and maintain Sigma reports to track acquisition funnel, portfolio performance, credit risk, fraud risk, and other key metrics across the merchant lifecycle; translate insights into concise, executive-ready recommendations that enable leaders to act quickly and confidently. • Partner closely with Sales to structure and deploy individual merchant treatments; track outcomes and report results. • Collaborate with the Technology team to ensure timely, quality implementation of decisioning rules and system changes, including test validation.

Job Requirements

  • Bachelor's or Master's degree in Statistics, Economics, Engineering, Data Science, Operations Research, or another quantitative STEM field.
  • 3+ years of experience in credit risk, underwriting, pricing, or strategy analytics, preferably in fintech, payments, or lending.
  • Familiarity with P&L concepts to balance revenue growth objectives with loss control discipline.
  • Hands-on experience building dashboards and reports in Sigma, Tableau, or equivalent BI tools, with demonstrated ability to extract business insights from complex datasets and present them clearly to non-technical stakeholders.
  • Strong analytical mindset with the ability to perform root cause analysis, recognize patterns, and attention to detail to ensure quality from analysis through deployment and outcome tracking.
  • Strong sense of ownership; able to manage multiple priorities and respond to partner requests with urgency and a collaborative spirit.
  • Proficiency in SQL and Excel; experience with Python, R, or decision tree analysis is a plus.
  • Experience in merchant partnership management or B2B lending is a plus
  • Experience working with complex relational databases and large transaction-level datasets.

Benefits

  • Healthcare Stipend: We prioritize your well-being by covering medical, dental, and vision insurance costs.
  • Paid Time Off: We value work-life balance, which is why we offer flexible paid time off starting from your first day of employment.

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