About Grupago

Grupago uses AI to scale small business credit and payments worldwide.

Around the developing world, the vast majority of the economy is driven by small, often informal micro-businesses.

These businesses have been ignored both by banks and fintechs, given the challenges to underwrite and serve.

We use AI to bring both business credit and payments to micro-businesses across the globe - starting with Latin America.

We launched a credit card in Mexico last year, have thousands of customers, recently launched a small business loan product, and are expanding into payments this year.

Our vision is to use AI to automate every part of our business - from acquisition, to underwriting, to credit line upgrades, to collections - in order to serve millions of micro-businesses around the world in a scalable and profitable way.

Our team is run by a very small (currently 8 person) team of extremely talented, mission-driven, data focused engineers and business leaders - including a CEO/co-founder who is a successful former VC and multi-exit fintech founder, and team members with decades of combined experience at leading fintechs across the US and Mexico.

We are backed by top venture investors across the US and Mexico, and have raised over $6M in venture capital.

This role will include a competitive salary, bonus, and equity compensation.

Responsibilities

We are looking to hire a Head of Credit Risk & Business Operations.

Specifically, the role will include leading:

Credit Risk & Analysis - Working with our CEO and data scientists to set credit policies, focused on obtaining unit and overall profitability
Oversee KYC - including improving and automating our anti-fraud processes
Oversee Collections - putting in place best practice systems for managing and optimizing collections

The role will entail managing a small team of staff, and may grow to include broader responsibilities across business operations over time - from customer service to leading general business operations.

Requirements

The ideal candidate will have the following skills:

Highly fluent in business English and Spanish
5-10+ years experience leading high performing teams at top tier Mexico-based fintech / credit startups or highly agile banks (ideally focused on limited credit history borrowers / informal / bottom of the pyramid customers)
Strong financial analytics experience, ideally demonstrated by a CFA or similar credential
Very data driven / well-versed in data analytics, ideally demonstrated by a mastery of SQL and Python
Demonstrated experience in driving profitability in a consumer/micro-consumer credit portfolio in Mexico
Experience working in and thriving in a highly entrepreneurial early stage startup
Living in Mexico, ideally CDMX (but possibly open to other locations)

Benefits

Benefits

In addition to working at an early stage fast moving startup - you will qualify for equity (stock option grants), competitive compensation and any bonuses, paid time off and holidays.

Learn more

Learn more at www.grupago.mx or in English (https://grupago.mx/english/)

Grupago

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Head of Credit Risk & Business Operations