Head of Risk Portfolio

At NOVACARD, we’re redefining how people use credit.
We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals.

About the Role:
We are looking for an experienced Head of Risk Portfolio to lead our risk strategy for a new digital credit card product in the Mexican market. You will manage a team of analysts and data scientists, drive portfolio performance, and apply data-driven insights to optimize credit origination, limits, and risk metrics.

Key Responsibilities:

• 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

Key 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

What We Offer:

• 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.