Quantitative Credit Risk Analyst

<h2>About the Risk team</h2> <p>At Alma, the Risk team enables the company to grow fast and securely by anticipating, quantifying, and mitigating the risks that could impact our business. Our mission spans across several dimensions:</p> <ul> <li>Continuously improving our credit scoring models to offer a seamless payment experience, maximizing acceptance while protecting Alma from default risk and customers from over-indebtedness.</li> <li>Preventing and detecting fraud using data-driven techniques.</li> <li>Designing tools, methodologies, and processes to accurately assess the risk level of our merchants — at onboarding and throughout the customer lifecycle.</li> </ul> <p>Within the Risk team, the <strong>Quant Analytics team</strong> plays a central role. We are responsible for:</p> <ul> <li>Developing and continuously improving our machine learning-based scoring models, and adapting them to new products, new markets, and changing customer behaviors.</li> <li>Building quantitative frameworks to support strategic decisions across the company.</li> <li>Monitoring, measuring, and reporting our risk performance and pricing accuracy.</li> </ul> <p> </p> <h2><strong>About the job</strong></h2> <p>Your role will be to drive the development of quantitative risk methodologies, with a strong focus on consumer credit risk, while also contributing to the assessment of merchant risk. You will:</p> <ul> <li> <p><strong>Improve and evolve our credit risk models</strong></p> <p>Enhance our customer scoring algorithms using advanced machine learning techniques. You’ll help identify new data signals, explore model improvements, and adapt our approach to new products, customer segments, and geographies.</p> </li> <li> <p><strong>Design impactful credit strategies</strong></p> <p>Develop risk-based strategies to optimize margins and acceptance, identifying new levers to improve our risk-return balance.</p> </li> <li> <p><strong>Monitor and project credit performance</strong></p> <p>Build tools and methodologies to monitor the evolution of our credit risk metrics and explain key drivers. You will also design projection models to anticipate future P&L impacts and steer risk decisions.</p> </li> <li> <p><strong>Contribute to merchant risk analysis and methodology</strong></p> <p>Support the development of quantitative approaches to identify, monitor, and evaluate merchant risk, especially in relation to liquidity events and counterparty exposure.</p> </li> <li> <p><strong>Collaborate cross-functionally</strong></p> <p>Work with team