Portfolio Manager – Underwriting

Marathon Talent

. Own monitoring of the credit portfolio, including vintages, losses, originations, NPL by cohort, and profitability .

Posted 11/9/2026full-timeRemote • Brazil, ArgentinaSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit portfolio management, including underwriting high-ticket merchant credit facilities and analyzing portfolio data using SQL. Strong ability to evaluate business metrics and mitigate risks while collaborating with cross-functional teams.

Highest-signal resume keywords

Credit Portfolio ManagementHigh-Ticket Merchant UnderwritingSQL Data AnalysisStatistical ReasoningBusiness Analytics

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentData AnalysisUnderwritingStatistical LiteracyPortfolio ConstructionKPI AutomationPattern DetectionModel InterpretationQuantitative AnalysisMass Evaluation

Soft Skills

Client InteractionCollaborationAdaptabilityPresentation SkillsCross-Cultural Communication

Tools & Technologies

SQLPythonAI Tools

Industry Keywords

FintechPayment ProcessingPOS ProviderLending InstitutionCorporate CardsB2B CardsUS LendingLatAm Teams

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Own monitoring of the credit portfolio, including vintages, losses, originations, NPL by cohort, and profitability
Evaluate and underwrite high-ticket merchant credit facilities at scale, including tickets of USD 100K–200K and above
Define and track business metrics covering loss, yield/profitability, portfolio construction, and portfolio health
Extract, structure, and analyze portfolio data independently using SQL
Apply statistical reasoning to portfolio questions
Partner closely with the business team and handle client interaction
Generate findings and transform them into presentations for a larger audience
Automate monitoring KPIs for the portfolio
Own the credit portfolio and develop a quantitative relationship with the business
Mitigate risks and detect patterns in larger datasets

Requirements

What you’ll need

Approximately 7 years of experience in credit, lending, credit risk, business analytics, or a lending institution
Background in a fintech, payment processor, POS provider, or bank with real lending/credit exposure
Hands-on underwriting experience, ideally with large/high-ticket merchant credit
Ability to work at scale through mass evaluation rather than manual case-by-case review
Strong data analysis skills using SQL and/or Python
Statistical and data literacy, including comfort with statistics, data analysis, and model interpretation fundamentals
Comfort using AI tools is a plus
Ability to thrive in a dynamic, startup-style environment
Prior experience working with US or LatAm teams across time zones and cultures is a strong plus
Corporate or B2B cards experience is a bonus, especially underwriting corporate cards with high limits such as USD 1M+
Traditional or corporate backgrounds, including large banks, are welcome when credit/lending experience and cultural fit are present

Benefits

Comp & perks

The chance to join a high-impact, mission-driven fintech
Ownership and impact in a fast-paced, growth-oriented startup
Cross-functional collaboration with exceptional teams
Exposure to complex regulatory challenges and innovation in embedded finance
Eligible team members have the opportunity to participate in R2’s Phantom Share Program, a performance-based incentive aligned with the company’s long-term success and value creation