[Hiring] Portfolio Manager @Marathon Talent

Role Description

R2 is scaling quickly, and we're looking for a Portfolio Manager (IC4) to own the credit portfolio: someone who builds a genuinely quantitative relationship with the business, tracks portfolio performance end-to-end, and can evaluate high-ticket merchant credit. We need someone who deeply understands portfolio economics, can pull and structure the data themselves, and knows how to read a portfolio and turn it into decisions. Mitigate risks and detect patterns in larger datasets.

• Own monitoring the credit portfolio: vintages, losses, originations, NPL by cohort, and profitability.
• Evaluate and underwrite high-ticket merchant credit facilities (tickets of USD 100K–200K and above), at scale - not one loan at a time.
• Define and track business metrics: loss, yield/profitability, portfolio construction and health.
• Work hands-on in SQL to extract, structure, and analyze portfolio data independently.
• Apply statistical reasoning to portfolio questions.
• Partner closely with the business team and handle a degree of client interaction.
• Generate findings and transform them into presentations for a larger audience.
• Automate monitoring KPIs of this portfolio.

Qualifications

• ~7 years of experience in credit, lending, credit risk, business analytics, or lending institution.
• Background in a fintech, payment processor, POS provider, or bank, credit risk — real lending/credit exposure is essential.
• Hands-on underwriting experience, ideally with large/high-ticket merchant credit, and the ability to work at scale (mass evaluation, not manual case-by-case).
• Strong data analysis SQL and or Python — this is the core technical requirement.
• Statistical / data literacy — you don't need to build models, but you should be comfortable with the fundamentals of statistics and data analysis and model interpretation.
• Comfort using AI tools is a plus. What matters most is that you know the material — whether you get there with or without AI is up to you.
• Cultural fit: we move fast. We want someone who thrives in a dynamic, startup-style environment. Prior experience working with US or LatAm teams (across time zones and cultures) is a strong plus.

Bonus

• Corporate / B2B cards count. Cards are a credit product; someone who has underwritten corporate cards with high limits (e.g., USD 1M+) has relevant experience.
• Traditional/corporate backgrounds (including large banks) are welcome, provided the credit/lending experience and cultural fit are there.

Benefits

• 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.