"Alerted.org

What´s the role?

We are looking for a highly skilled and mathematically driven Credit Risk Modeler to develop and maintain advanced statistical and machine learning models that assess customer creditworthiness and optimize credit decisions within our telecom lending portfolio.

This individual will be responsible for creating credit scoring algorithms, forecasting default probability, and enhancing risk-based pricing and approval strategies. The ideal candidate will combine deep statistical knowledge with strong programming ability to shape the risk infrastructure for both postpaid financing and consumer lending products.

How can you add value?

+ Design, develop, and validate credit risk models including credit scoring, behavioral scoring, and loss forecasting models.

+ Apply advanced statistical techniques (e.g., logistic regression, decision trees, random forests, gradient boosting, Bayesian methods) to predict customer default and credit performance.

+ Conduct portfolio segmentation and customer profiling using clustering, Principal Component Analysis, or other dimensionality reduction techniques.

+ Work with cross-functional teams to integrate models into decision engines and operational systems.

+ Monitor model performance and recalibrate as needed based on changes in customer behavior or macroeconomic conditions.

+ Develop risk-adjusted credit policies including approval rules, limit assignment, and pricing models.

+ Analyze historical data on payment patterns, usage behavior, and customer demographics to recommend lending strategies.

+ Contribute to internal governance by producing model documentation, validation reports, and audit-ready analytics.

+ Stay informed of trends in credit modeling, regulatory compliance (e.g., Fair Credit Reporting Act), and fintech innovations.

+ Demonstrate and ensure compliance with Liberty Latin America Privacy Policy, the Customer First Philosophy, all Liberty Latin America policies, and procedures including the Code of Conduct and Liberty safety standards and procedures.

+ Other functions may be assigned.

What do you need?

Education and/or Experience:

Bachelor’s Degree or Master’s degree in Statistics, Mathematics, Economics, Data Science, Quantitative Finance, or a related quantitative field.

Proven experience of 3 years in Telecom.

Other Qualifications:

+ 3+ years of hands-on experience in credit risk modeling, preferably in telecom, banking, or fintech.

+ Expertise in statistical programming tools (Python, R, or SAS) and experience using SQL for data extraction and analysis.

+ Solid understanding of probability, regression analysis, time-series forecasting, and machine learning techniques.

+ Strong analytical thinking and ability to translate data into actionable insights.

+ Excellent communication skills to explain models and influence decision-makers.

+ Experience with telecom customer data or credit bureau integration.

+ Familiarity with model deployment tools, APIs, or decision engines (e.g., FICO, Experian, Transunion, Equifax or in-house platforms).

+ Knowledge of risk-adjusted pricing models and loss given default (LGD), probability of default (PD), and exposure at default (EAD)

+ Prior involvement in model risk governance and regulatory compliance frameworks.

+ Knowledge of network principles, systems, and inter connectivity to perform role without constraint and applies this knowledge in a coordinated manner.

+ Excellent communication skills and able to communicate at all levels within the organization.

+ Positive attitude and critical analytical skills.

+ Results and service-oriented approach.

+ Attention to detail and a high degree of concern for accuracy with ability to work in cross-functional teams.

+ Bilingual in Spanish & English a plus.

Liberty Puerto Rico provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, citizenship, age, marital status, social status, sexual orientation, gender identity, protected veteran, military service obligation, disability status, genetic information, political affiliation, and being or being perceived as a victim of domestic violence, sexual assault, or stalking. In addition to federal law requirements, Liberty aligns with applicable local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Assessment, background check and drug test will be required to be a successful candidate.

If you believe you have been discriminated against you may notify the Equal Employment Opportunity Commission, the Federal Communications Commission, or other appropriate agency.

What do you need?

Education and/or Experience:

Bachelor’s Degree or Master’s degree in Statistics, Mathematics, Economics, Data Science, Quantitative Finance, or a related quantitative field.

Proven experience of 3 years in Telecom.

Other Qualifications:

+ 3+ years of hands-on experience in credit risk modeling, preferably in telecom, banking, or fintech.

+ Expertise in statistical programming tools (Python, R, or SAS) and experience using SQL for data extraction and analysis.

+ Solid understanding of probability, regression analysis, time-series forecasting, and machine learning techniques.

+ Strong analytical thinking and ability to translate data into actionable insights.

+ Excellent communication skills to explain models and influence decision-makers.

+ Experience with telecom customer data or credit bureau integration.

+ Familiarity with model deployment tools, APIs, or decision engines (e.g., FICO, Experian, Transunion, Equifax or in-house platforms).

+ Knowledge of risk-adjusted pricing models and loss given default (LGD), probability of default (PD), and exposure at default (EAD)

+ Prior involvement in model risk governance and regulatory compliance frameworks.

+ Knowledge of network principles, systems, and inter connectivity to perform role without constraint and applies this knowledge in a coordinated manner.

+ Excellent communication skills and able to communicate at all levels within the organization.

+ Positive attitude and critical analytical skills.

+ Results and service-oriented approach.

+ Attention to detail and a high degree of concern for accuracy with ability to work in cross-functional teams.

+ Bilingual in Spanish & English a plus.

Liberty Puerto Rico provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, citizenship, age, marital status, social status, sexual orientation, gender identity, protected veteran, military service obligation, disability status, genetic information, political affiliation, and being or being perceived as a victim of domestic violence, sexual assault, or stalking. In addition to federal law requirements, Liberty aligns with applicable local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Assessment, background check and drug test will be required to be a successful candidate.

If you believe you have been discriminated against you may notify the Equal Employment Opportunity Commission, the Federal Communications Commission, or other appropriate agency.

How can you add value?

+ Design, develop, and validate credit risk models including credit scoring, behavioral scoring, and loss forecasting models.

+ Apply advanced statistical techniques (e.g., logistic regression, decision trees, random forests, gradient boosting, Bayesian methods) to predict customer default and credit performance.

+ Conduct portfolio segmentation and customer profiling using clustering, Principal Component Analysis, or other dimensionality reduction techniques.

+ Work with cross-functional teams to integrate models into decision engines and operational systems.

+ Monitor model performance and recalibrate as needed based on changes in customer behavior or macroeconomic conditions.

+ Develop risk-adjusted credit policies including approval rules, limit assignment, and pricing models.

+ Analyze historical data on payment patterns, usage behavior, and customer demographics to recommend lending strategies.

+ Contribute to internal governance by producing model documentation, validation reports, and audit-ready analytics.

+ Stay informed of trends in credit modeling, regulatory compliance (e.g., Fair Credit Reporting Act), and fintech innovations.

+ Demonstrate and ensure compliance with Liberty Latin America Privacy Policy, the Customer First Philosophy, all Liberty Latin America policies, and procedures including the Code of Conduct and Liberty safety standards and procedures.

+ Other functions may be assigned.