Viamericas20d ago

Senior Credit Risk Portfolio Analyst

Medellínsenior

Project & Program ManagementPortfolio Analyst

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Quick Summary

Key Responsibilities

clicked on a malicious link, downloaded, and opened a suspicious file, etc. Bachelor’s degree in Finance, Economics, Mathematics, Business, or related field

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Project & Program ManagementPortfolio Analyst

Viamericas is a #1 ranked and licensed money transmitter offering international money transfer, bill payment, check processing and a variety of other services at thousands of agent locations across the United States, and 287,885 locations in 95 countries. At Viamericas, our ultimate objective is to help immigrants succeed and improve their lives by providing the highest quality financial services. We are always seeking TOP TALENT – experienced individuals who embrace our core values of respect, innovation, integrity and impact.

The Senior Credit Risk Portfolio Analyst is responsible for monitoring, analyzing, and managing credit risk exposure across the company’s portfolio of agents, correspondents, and strategic partners. This role plays a critical part in protecting the organization from financial loss while supporting business growth across domestic and international remittance corridors. The position also supports governance initiatives by reviewing policy updates and managing counterparty and payment risk to ensure financial stability and regulatory compliance. The ideal candidate combines strong analytical capabilities, knowledge of financial services risk frameworks, and the ability to translate portfolio insights into actionable risk strategies.

Portfolio Monitoring & Analysis

Monitor credit exposure across agent, correspondent, and partner portfolios.

Analyze portfolio performance trends including delinquencies, defaults, recoveries, and concentration risk.

Develop and maintain credit risk dashboards and reporting tools.

Identify early warning indicators and emerging credit risk patterns.

Counterparty & Payment Risk Management

Assess and monitor counterparty risk exposure related to agents, banks, payment processors, and financial partners.

Evaluate settlement risk, liquidity exposure, and payment timing risk across corridors.

Analyze concentration risk across geographic regions and counterparties.

Recommend mitigation strategies such as credit limits, collateral requirements, payment term adjustments, or exposure caps. • Support Treasury and Finance in monitoring liquidity and settlement exposures.

Risk Assessment & Strategy

Conduct credit reviews for new and existing agents or partners.

Recommend credit limits and risk mitigation strategies.

Perform stress testing and scenario analysis on portfolio and counterparty exposure.

Support risk-based pricing strategies where applicable.

Policy & Procedure Governance

Review and assess updates to credit risk policies and procedures to ensure alignment with regulatory requirements and evolving business risks.

Recommend enhancements to credit and counterparty risk frameworks.

Ensure policy changes are clearly documented and implemented consistently across regions.

Partner with Compliance, Legal, and Operations to align risk policies with AML, KYC, and regulatory standards.

Cross-Functional Collaboration

Work closely with Sales, Finance, Treasury, Compliance, Data and AI and Operations teams.

Provide risk insights to support commercial and strategic decision-making.

Support onboarding of new agents from a credit and counterparty risk perspective.

Reporting & Governance

Prepare executive-level portfolio summaries and counterparty exposure reports.

Present findings to senior leadership and risk committees.

Maintain documentation of credit decisions, exposure adjustments, and policy changes.

Information Security Responsibilities

Read, acknowledge, and comply with Viamericas Staff Information Security Policy via the Information Security training portal. This should be done within 30 days of hire and repeated annually.

Attend periodic Information Security training provided by Viamericas.

Report any event that might be an Information Security Incident: clicked on a malicious link, downloaded, and opened a suspicious file, etc.

Bachelor’s degree in Finance, Economics, Mathematics, Business, or related field

5 years minimum work experience in the banking industry with a focus on credit risk, portfolio risk, counterparty risk, or financial analysis.

Bilingual in English and Spanish.

Strong understanding of credit risk frameworks, settlement risk, and counterparty exposure.

Advanced proficiency in Excel; experience with SQL, Power BI, or similar analytical tools preferred.

Knowledge of cross-border financial flows and correspondent risk exposure is highly desirable.

Strong communication skills with ability to present to executive leadership.

Key Competencies

Analytical and data-driven mindset

Strong risk judgment and structured decision-making