Digital banking for businesses in Latam.

Credit Manager at

Mexico City, Mexico / Remote
Job Type
6+ years
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About the role

The backbone of Latin America’s economy consists of SME’s which do not have access to proper financial services and lack the expertise to effectively manage their operations. We are trying to fix this problem. is an early-stage startup whose goal is to create the first digital bank for business, that effectively manages transactions to records as automated as possible. We are to become the go-to platform for operational viability and financial expertise. is backed by reputational VC’s that include Y Combinator, Foundation Capital, Soma Capital, Plug and Play Ventures, Venture Souq, and founders of other YC-backed companies.

As we prepare to grow and further develop our product, we are seeking a passionate individual to fill the position of Credit Risk Manager. The candidate will participate in the creation of innovative credit products for SMEs in Mexico, make a difference in the current financial market, and promote growth in the SMB sector. This role will report directly to the Director of Credit Services. This is a full-time position only.


  • Co-create our internal credit risk model and search for ways to automate it. The candidate will have to collaborate with different areas of the company in order to create the model according to the companies tolerance for risk and parameters.

  • Assess the creditworthiness of existing and prospective clients. The main objectives are to keep growing with a past-due portfolio of 0% and a 24 hours authorization / rejection process.

  • Examine and analyze the financial transactions and credit history of ’s clients in a case by case manner to keep improving our assessment based on historical data.

  • Determine in depth the degree of risk involved in our portfolio to give valuable information for other areas to establish growth strategies that align with maintaining our loan book health.

  • Carefully analyze data, produce clear and objective reports & metrics and work in requirements to automate them.

  • Routinely monitor loans for compliance and keep track of the collection process. Additionally improve the rules of the process and work to achieve automation involving different areas of the company, finding insights to decide which is the best way to nudge a good behaviour from our customers.

  • Help create and adhere to credit policies and guidelines. These guidelines need to be done creatively and with knowledge of credit portfolio management so that our policies are unique, transparent and functional.

  • Draft models of credit information that predict trends and patterns.

  • Co-create new credit products and risk models for each one. We innovate according to what we identify in the market, based on feedback and overall behaviour.

We seek autonomous people willing to work in a fast-paced environment, willing to learn, and interested in making a real difference in the financial sector in Latin America.


  • 5+ years of proven working experience in credit analysis
  • Up to date with legal, compliance and market risk related issues
  • Depth knowledge about mexican SMEs operations
  • Ability to analyze cash flows, leverage, collateral and customer strength
  • Strong communication and presentation skills
  • Strong Excel skills
  • Sound judgement
  • Attention to detail
  • Research and analysis skills
  • Time management
  • Technical skills

Nice to have:

  • Previous experience in startups
  • Previous experience using systems to asses credit risk
  • A clear understanding of the payroll system in Mexico

What we offer:

  • Work with a passionate and highly-skilled team
  • Opportunities for growth and constant learning
  • Competitive salary for a startup
  • Flexible schedule, including home office
  • Ground floor opportunity to shape the direction of a fintech company
  • An excellent work environment

Why join

In we are changing the way SMB’s do business and we are creating a workplace that propels their growth. We believe in doing things right which is why we foster an environment of transparency and honesty. Additionally we care about the career development of our fellow deltas by creating constant opportunities to become better versions of themselves by developing new skills. If you are looking for this kind of work environment join us!


At, we are building the next digital for Entrepreneurs, Small and Medium Companies. Our goal is to create a digital services platform that manages your finances from transactions to records. By combining the power of banking tools and administrative automatization, can provide peace of mind to business owners so that they can focus on what matters most - growing their businesses.

Deltas: Our People

We aim to hire not only the best-in-class talent but also high-potential individuals with the aspiration to grow, learn, build, create and win.

Our Values:

Humbleness We know we can always learn from others, so we are open to other people’s ideas and ways.

Resourcefulness We enjoy solving problems with the tools available, we also like to choose our battles and tools.

Open & decentralized Our teamwork philosophy is to manage less, produce more. We invest time in a common vision and open work environment.

Our Culture:

We like to do things right We love doing things in the right way, while mindful of tight schedules.

Creative thinking We love engineering, but we love understanding the product and making users central to our design.

We like to feel human We are very demanding with our results, but we don’t want to forget we are humans. We make robots, but we don’t become them.

Why you should join is creating true digital financial services for businesses in Latin America.

We are set to financially empower the underserved SMEs and Startups that comprise 90% of all businesses in Latam. We believe that we can untap the power of businesses by making easy for them to integrate into the digital economy.

There's a +450B Market of business deposits in Mexico, so we are looking for passionate, smart and talented individuals that want to make a huge impact in this nascent industry.