Credit Strategy Lead

Seniority: Mid-level (4–6 years experience) About Guama Guama is a financial technology company focused on expanding access to credit in Latin America. Backed by leading VCs, the company provides credit cards to underserved segments using AI and open banking data, enabling more inclusive and accurate underwriting. Founded by former Nubank employees, Guama was created to address a clear market gap: millions of individuals across the region are excluded from formal financial services despite being creditworthy. By combining technology, alternative data, and thoughtful product design, Guama is building a new approach to consumer credit — starting in Colombia. What You’ll Do You’ll join Guama in a key leadership role where you will own the full risk analysis function from day one. Unlike traditional setups, you won’t inherit a team at first. Instead, you’ll personally lead the analysis, build frameworks, and turn insights directly into business decisions. Your responsibilities will include: Build and maintain robust SQL-based dashboards and queries to analyze credit performance and unit economics across the business. Partner with our data science team to design, implement, and monitor predictive models (underwriting, line increase, fraud detection, etc.). Work hand-in-hand with the finance team to deliver airtight unit economics, ensuring every decision is grounded in sound financial impact. Lead cohort monitoring to understand customer behavior and portfolio dynamics, including default risk, spend, usage, churn, and profitability trends. Provide deep-dive analysis on any business-critical topic — from marketing funnel efficiency to card approval rates, logistics costs, or customer service metrics. Work closely with the CEO and leadership team to make decisions based on your analysis, ensuring risk discipline while enabling growth. What We’re Looking For We need someone who can crunch the numbers and call the shots. You’re a good fit if you: Have at least 3 years of exclusive experience in Credit Risk — this is non-negotiable. Are exceptional with SQL — you can dive deep into raw datasets and emerge with insights sharp enough to guide decisions at the executive level. Are comfortable being a solo operator at first, building the foundation of Guama’s credit risk strategy without layers of support. Have the ability to partner with different teams (including finance, product, operations, and data science) to drive outcomes. Are fluent in Spanish and have high proficiency in English to collaborate with global investors, partners, and colleagues. Thrive in a startup environment — fast-paced, execution-driven, and full of learning opportunities. What We Offer Real ownership and autonomy — you’ll have full access to our company, the freedom to drive your ideas, and your voice will carry weight from day one. As part of a small team, your work will directly influence strategic decisions and impact thousands of users. Full-time permanent contract, with 17 vacation days per year Stock options Flexible hours and remote days Christmas week off to rest and recharge If this sounds like the kind of challenge you’re ready to take on, don’t hesitate to apply We can’t wait to meet you and build the future of credit in Latin America together. #J-18808-Ljbffr