About our Company:

LemFi (YC S21, Series B) is revolutionizing cross-border financial services for immigrants through its multi-currency platform, processing over $1 billion in monthly transactions. We provide instant remittances, foreign exchange services, and multi-currency accounts, all in one seamless experience.

With 300+ employees across 15+ countries, our platform supports twelve currencies and integrates directly with local banks and mobile money providers, ensuring fast, low-cost transactions. But we’re not stopping at payments. LemFi is building a comprehensive financial ecosystem empowering immigrants with the financial tools they need to thrive—wherever they go.

Our vision: To build the first full-stack financial services hub for the world’s immigrant population. 🚀

Who you are:

You are a candidate who would thrive in a fintech startup environment like ours, where we readily accept individuals with a humble, yet uplifting attitude alongside a diligent sense of work ethic. The teams here at LemFi are passionate about their work and expertise, but also lend hands on cross-functional responsibilities to ensure the success of the company and the satisfaction of our clientele.

Job Summary:

At LemFi we are building a credit product that is fair, transparent, and accessible. We’re looking for a Credit Risk Manager to join our Credit Risk team. This is a hands-on role where you’ll design and optimise credit policies, analyse portfolio performance, and make real-time strategy changes that directly impact growth, customer outcomes, and profitability.

Responsibilities are as follows:

• Own and refine credit decisioning strategies, deciding who to lend to, how much, and on what terms.
• Analyse portfolio performance and monitor loss rates, delinquency trends, and profitability, spotting early trends to ensure risk and reward stay aligned.
• Work closely with Decision Science to ensure predictive models and scorecards are used effectively in strategy design.
• Build and tweak credit rules directly in the decision engine, and where required, partner with data engineers and tech engineers to deploy and test changes.
• Collaborate with product, finance, and operations to deliver strategy changes and improve portfolio outcomes.
  
• Support presentations to funding partners and internal or external stakeholders with clear, data-backed insights.
• Use the tools required to run analysis, and test strategy changes.
  
• Monitor performance and continuously identify opportunities to improve credit strategy.

Requirements:

• You are excited by the opportunity to build and grow a team as the business scales.
• Proven experience in credit risk strategy or decisioning, ideally in unsecured lending or credit cards.
• Strong coding skills in SQL (Python desirable) with comfort handling large datasets.
• Understanding of loss rates, delinquency curves, and portfolio economics.
• Ability to translate data into actionable changes in credit policy.
• Commercial awareness to balance growth, risk, and customer outcomes.
• Experience working with predictive models and scorecards, and partnering with data science or decision science teams.
• Strong communication skills, able to influence stakeholders and explain complex analysis clearly.
• A proactive, problem-solving mindset with the ability to thrive in a fast-paced environment.
• #LI-Remote