Gerente de Monitoreo de Riesgo Pyme

About the role

The Risk Monitoring Manager for the SME portfolio will lead the comprehensive oversight of credit risk, continuously analyzing client behavior, segmenting the portfolio strategically, and managing risk indicators. The role aims to anticipate deteriorations, optimize decision‑making, and strengthen portfolio quality while supporting sustainable profitability within the organization’s risk appetite.

Key responsibilities

• Design and execute continuous monitoring strategies for the SME portfolio, analyzing risk indicators, credit behavior, and portfolio trends.
• Segment the client portfolio using statistical models, analytical methodologies, and business intelligence tools to identify risk profiles and optimization opportunities.
• Monitor credit exposure by client, segment, industry, economic group, and product, ensuring compliance with risk limits and diversification.
• Develop and manage early‑warning (Watchlist) schemes with predictive models and behavior indicators.
• Periodically evaluate portfolio quality, performance, and profitability using risk metrics, delinquency indicators, expected losses, and risk‑adjusted returns.
• Analyze profitability of clients, segments, and products, integrating financial and risk metrics.
• Design growth strategies, including cross‑selling, up‑selling, Evergreen programs, and economic group management aligned with risk criteria.
• Participate in the design, validation, and monitoring of risk models, scorecards, and analytical tools for origination, maintenance, and collection.
• Support stress‑testing, macro‑economic scenario analysis, and the development of new products and commercial strategies with credit risk impact.

Required profile

• Proven experience in credit risk monitoring and portfolio management, preferably within SME segments.
• Strong analytical mindset with the ability to translate data insights into actionable strategies.
• Excellent communication skills to collaborate with commercial, product, and risk teams.
• Ability to work autonomously and drive continuous improvement initiatives.

Required skills

• Statistical modeling
• Business intelligence tools
• Predictive modeling
• Risk scorecard development