Hay Credito

About the Position

We are looking for an experienced professional to lead the Risk Analytics function and take responsibility for the performance of the loan portfolio, monitoring key risk metrics, and developing the company’s analytical processes.

Requirements

• Proven experience in a leadership role within Risk Management or Risk Analytics.
• Mandatory experience in the MFI (Microfinance Institution) / micro-lending industry.
• Strong SQL skills and hands-on experience working with relational databases.
• Advanced proficiency in Google Sheets and Microsoft Excel (complex formulas, pivot tables, data analysis).
• Deep understanding of credit product economics.
• Experience managing teams and overseeing performance indicators.
• Ability to build transparent analytical and operational processes.

• Ability to translate business requirements into clear technical specifications for the IT team.

   

What We Offer

• Fully remote work format.
• Opportunity to work on an international financial project.
• Direct impact on the company’s key business processes and strategic decisions.

Key Responsibilities

• Monitor and optimize key portfolio metrics, including DPD, Default Rate, Portfolio Profitability, Delinquency Rate, NPL, Approval Rate, and Cost of Risk.
• Lead the Risk Analytics team, including task allocation, performance management, and quality control of analysts’ work.
• Collaborate with operational managers and teams, ensuring compliance with established procedures and target KPIs.
• Work directly with data using PostgreSQL databases, including data extraction, analysis, and hypothesis testing.
• Support IT process development by preparing and documenting technical requirements for the implementation of new rules, scoring logic, or process changes.
• Develop analytical reports, dashboards, and data models using Google Sheets and Microsoft Excel.

We are looking for an Affiliate Manager to lead and scale our CPA channel through affiliate networks and strategic partners. The role focuses on traffic growth, partner management, performance optimization, and achieving customer acquisition targets.

Responsibilities

• Search for and onboard new CPA networks and affiliate partners;
• Develop and scale existing partnerships;
• Achieve acquisition and primary issuance targets;
• Manage CPA/CPL/CPS/RevShare cooperation models;
• Negotiate rates, offers, promos, and partnership terms;
• Monitor traffic quality and partner performance;
• Analyze the full funnel: clicks → registrations → applications → approvals → signings → issuances;
• Track and optimize key metrics: CPA, CAC, CR, EPC, approve rate, signing rate, traffic quality, and volume;
• Prepare reports on partner performance and traffic results;
• Work closely with analytics, product, risk, retention, and contact center teams;
• Ensure correct tracking, postbacks, events, and payout processes.

Requirements

• Experience as an Affiliate Manager / CPA Manager / Partnership Manager;
• Strong understanding of CPA models and affiliate networks;
• Experience with performance marketing traffic;
• Knowledge of CPA, CPL, CPS, CAC, CR, EPC, ROI/ROMI metrics;
• Ability to analyze both traffic volume and quality;
• Experience negotiating with partners and affiliate networks;
• Strong analytical and reporting skills;
• самостоятельность, системность и ориентация на результат;
• Ability to identify growth opportunities and propose solutions quickly.

Tools

• Affise / Everflow / Tune / HasOffers or similar;
• Google Sheets / Excel;
• Google Analytics 4;
• Looker Studio / Power BI / Metabase;
• CRM systems and internal admin panels;
• Jira / Trello / Asana / Notion.

Nice to Have

• Experience in fintech / lending / payday loans;
• Experience with highly competitive CPA niches;
• Understanding of approve rate, signing rate, and customer quality metrics;
• Experience with payout-per-issued-loan models;
• Experience with mobile traffic, PWA/APK/app traffic;
• Existing affiliate partner network.

We are looking for a Head of Digital Marketing who can manage not only advertising accounts, but the entire customer acquisition ecosystem: performance channels, CPA partners, analytics, funnels, budgets, team management, and achievement of business targets related to loan disbursements.

This position is ideal for a candidate who is data-driven, able to quickly identify bottlenecks in the funnel, scale high-performing channels, and build a strong marketing team.

What We’re Looking For

• At least 2 years of experience in a leadership role within Digital Marketing or Performance Marketing
• Experience managing a team of 4+ specialists, including media buyers, affiliate managers, SMM specialists, retention/CRM managers, and analysts
• Hands-on experience with performance marketing channels: Google Ads, Meta Ads, TikTok Ads, CPA/Affiliate Traffic
• Strong understanding of key marketing metrics: CPA, CPL, CPS, CAC, ROMI, EPC, CR, and Approve Rate
• Experience managing advertising budgets and monitoring channel performance
• Ability to analyze the entire conversion funnel: registrations, applications, approvals, signings, and disbursements
• Experience working with CPA networks, affiliate partners, bid management, and traffic quality control
• Strong leadership skills, including task delegation, KPI management, employee development, and team building
• Experience in MFO, fintech, lending, or consumer finance will be a significant advantage

Required Tools & Platforms

• Google Ads, Meta Ads Manager, TikTok Ads
• Google Analytics 4 (GA4)
• Google Tag Manager (GTM)
• Looker Studio, Power BI, Metabase, or similar BI tools
• Advanced Excel / Google Sheets skills
• CPA/Affiliate platforms: Affise, Everflow, Tune, Keitaro, or similar
• Tracking and analytics tools: AppsFlyer, Adjust, Firebase, or similar
• CRM/CDP systems and internal administrative platforms
• Customer communication channels: Telegram, Email, SMS, Push Notifications
• Task management tools: Jira, Trello, Asana, Notion, or similar

Key Responsibilities

• Lead the digital marketing function and take ownership of customer acquisition targets
• Monitor and optimize key business metrics, including first-time disbursements, total disbursements, CAC, CR, Approve Rate, Signing Rate, and ROMI
• Develop and scale acquisition channels such as Google, Facebook, TikTok, CPA, mobile traffic, and alternative traffic sources
• Manage CPA partnerships, including pricing, traffic quality, scaling opportunities, partnership terms, and payout control
• Analyze the marketing funnel and identify growth opportunities at every stage: Registration → Application → Approval → Signing → Disbursement
• Manage and allocate the marketing budget across channels based on performance and ROI
• Set goals, assign tasks, monitor KPI achievement, and support employee development
• Generate hypotheses, launch tests, and evaluate results based on data and performance metrics
• Collaborate closely with Product, Risk, Analytics, Contact Center, and Sales teams
• Participate in strategic business decisions that drive company growth

What We Offer

• Fully remote work environment
• Schedule: Monday–Friday, 9:00 AM – 6:00 PM (Spain time)
• Competitive salary with opportunities for financial growth
• Direct impact on key business performance indicators
• Autonomy and decision-making authority within your area of responsibility
• Opportunity to build, develop, and strengthen your team
• Support for launching new hypotheses, channels, and marketing tools

Expected Outcomes

• Achievement of targets for first-time and total loan disbursements
• Reduction or maintenance of CAC within planned benchmarks
• Improved efficiency of performance marketing channels
• Successful scaling of CPA partnerships and alternative traffic sources
• Greater transparency in analytics and stronger team performance
• A systematic, data-driven approach to funnel optimization rather than simply running advertising campaigns

Job Description

We are looking for a Google Media Buyer who will be responsible for launching, optimizing, and scaling Google Ads campaigns for an in-house product.

We need a specialist who not only knows how to launch ads but also deeply understands funnels, analytics, events, and the final business result in terms of leads and loan issuances.

Key Responsibilities

— Launching and managing Google Ads campaigns;
— Working with Search, Display, Performance Max, YouTube, and App Campaigns;
— Scaling successful campaigns;
— Monitoring customer acquisition costs (CPA / CAC / CPL / CPS);
— Analyzing the full funnel: from click to lead / loan issuance;
— Identifying growth opportunities in campaigns, keywords, ads, landing pages, and events;
— Semantic management: keyword research, clustering, negative keywords, query expansion;
— Testing hypotheses, offers, landing pages, and ad funnels;
— Monitoring traffic quality and conversions;
— Setting up and validating correct event tracking in Google Ads;
— Working with analytics through GA4 / GTM / Firebase / AppsFlyer / Adjust;
— Daily work with performance reporting and metrics.

Requirements

— 2+ years of experience with Google Ads;
— Experience working with performance traffic;
— Mandatory experience in gray/restricted niches: crypto, gambling, betting, fintech, loans, or related verticals;
— Experience launching campaigns for leads, registrations, applications, or loan issuances;
— Strong understanding of Google Ads: Search, Display, Performance Max, YouTube, App Campaigns;
— Experience setting up analytics and event tracking;
— Understanding of GA4, Google Tag Manager, and conversion tracking;
— Ability to work with funnels: click → registration → application → approval → issuance;
— Understanding of CPA, CAC, CPL, CPS, CR, ROAS / ROMI;
— Ability to evaluate not only lead cost but also traffic quality;
— Self-management, structured thinking, and results orientation.

Tools

— Google Ads;
— Google Analytics 4;
— Google Tag Manager;
— Google Search Console;
— Looker Studio / Power BI / Metabase or similar tools;
— Firebase / AppsFlyer / Adjust or similar tools;
— Excel / Google Sheets;
— Trackers: Keitaro / Binom / RedTrack or similar;
— CRM / internal analytics / admin panels.

Will Be a Plus

— Experience in MFO / fintech / lending / payday loans;
— Experience with PWA / APK / mobile traffic;
— Experience launching Google App Campaigns;
— Experience working with Keitaro / Binom / RedTrack trackers;
— Understanding of post-issuance client quality metrics: approve rate, signing rate, default rate, profitability, repeat loans.

Expected Results

— Stable launch and scaling of Google Ads campaigns;
— Achievement of targets for applications / first loan issuances;
— Maintaining CPA / CAC within target benchmarks;
— Accurate event tracking and transparent analytics;
— Growth of high-quality traffic volume;
— Clear and consistent reporting on campaigns, keywords, events, and results.

Required skills:
— Experience with LLMs (OpenAI, Claude, LLaMA or similar)
— Experience building RAG systems (knowledge bases, embeddings, retrieval)
— Hands-on experience developing AI solutions in production
— Strong Python skills (FastAPI / async / API integrations)
— Experience integrating AI with databases (PostgreSQL)
— Experience with message queues (RabbitMQ)
— Understanding of real-time system architecture
— Experience with ASR (speech-to-text) and TTS (text-to-speech)
— Understanding of voice/chat AI pipeline architecture
— Experience working with APIs and microservice architecture
— Experience with high-load systems
— 3+ years of experience
— Ability to work with business logic and real client data

Nice to have:
— Experience building voice bots (inbound / outbound)
— Experience in call centers / fintech / collections
— Experience with WebRTC / streaming
— Docker / Kubernetes
— Experience in call analysis (agent scoring, script compliance monitoring)

Responsibilities:
— Develop AI chat systems working with real client data (CRM, history, statuses)
— Build RAG systems based on company knowledge bases
— Develop voice AI bots (inbound and outbound calls)
— Integrate AI with internal systems (CRM, ERP, APIs)
— Implement dialogue logic based on business scripts and protocols
— Analyze calls: transcription, quality scoring, detection of script deviations
— Automate call center operations and improve agent efficiency
— Optimize latency and stability of AI solutions in real-time environments
— Work with large volumes of data (calls, chats, customer history)
— Build and develop internal AI services for the company
— Collaborate with backend and DevOps teams to integrate AI into products