Jobs at Félix (felixpago)

Architect and build scalable, secure backend microservices for Payments, Disbursements, or GRC squads. Implement payment and disbursement workflows, KYC/compliance pipelines, and cloud infrastructure using Google Cloud and Kubernetes. Collaborate cross-functionally, mentor junior engineers, and optimize systems for high throughput, reliability, and regulatory compliance.

Design, build, and scale backend microservices for Payments, Disbursements, or GRC squads. Implement secure, high-performance payment and disbursement workflows, KYC/AML and compliance features, and infrastructure using Google Cloud, Kubernetes, and Terraform. Collaborate cross-functionally, mentor junior engineers, and iterate on platform capabilities using analytics and user feedback.

Architect, build, and scale backend microservices for Payments, Disbursements, or GRC squads; design high-performance, secure payment and disbursement workflows; integrate Google Cloud services and distributed systems; ensure compliance (KYC/AML); collaborate cross-functionally; mentor junior developers; and iterate on platform reliability and performance to support millions of daily requests.

Lead fraud detection and mitigation for a conversational BNPL product. Define fraud typologies, own repayment and chargeback analytics, manage fraud KPIs, design operational policies, collaborate on ML models and decisioning workflows, and coordinate SARs and compliance reporting.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, pricing models, vintage and NPV analyses, executive reporting, model integration and testing, and explore alternative data to optimize approval rates and portfolio health.

Lead fraud detection and mitigation for a conversational Send Now Pay Later product: define first-party fraud typologies, own repayment and chargeback analytics, manage fraud KPIs, design operational policies, integrate ML and decisioning tools (Taktile), and coordinate SARs and compliance reporting.

Lead fraud detection and mitigation for a conversational BNPL product: define fraud typologies, analyze repayment/chargeback trends, own fraud KPIs, design policies, collaborate on ML models and decisioning workflows, and coordinate SARs with Compliance.

Lead credit analytics for the Send Now Pay Later product: build and optimize valuation, vintage and NPV models; manage credit policies, portfolio monitoring, and NPL reporting; integrate and test scoring models with engineering/data science; and research alternative data to improve predictive performance.

Lead credit analytics for the Send Now Pay Later product: deliver executive portfolio health reporting, NPL trend analysis, and financial/vintage/NPV modeling. Design end-to-end credit frameworks and acquisition/customer management policies, monitor cohort performance, integrate and test ML scorecards with engineering, and evaluate alternative data sources to optimize approval rates and limit defaults.

Lead fraud risk for a conversational lending product (SNPL): define first-party fraud typologies, analyze repayment and chargeback trends, own fraud KPIs, design automated/manual blocking policies, coordinate ML/rules with central Fraud and Data teams, and liaise with Compliance on SARs and loan abuse.

Lead quantitative credit analytics for a Send Now Pay Later (SNPL) product: build and maintain credit policies, pricing and NPV models, vintage analysis, portfolio monitoring, model integration/testing, and alternative data evaluation to optimize approval rates and manage portfolio health.

Lead loss mitigation, predictive collections, and loss forecasting (CECL) for consumer lending. Build data models and contact strategies, align conversational operations, manage credit loss budgets, vendor selection, and present risk insights to executive stakeholders.

Design and own loss mitigation, predictive collections, and CECL loss forecasting. Partner with Operations to implement conversational contact strategies (WhatsApp/SMS), build propensity-to-pay and recovery models, manage credit loss budgeting and capacity planning, and evaluate/onboard third-party collections vendors and software to protect capital and optimize recoveries.

Lead design and execution of loss mitigation, predictive collections, and CECL loss forecasting. Build data models and contact strategies, align conversational operations, manage credit loss budgeting, and evaluate third-party vendors to maximize recoveries and protect the balance sheet.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build CECL-based loss forecasts, predictive propensity-to-pay models, automated contact strategies (WhatsApp/omnichannel), manage credit loss budgets, and evaluate third-party recovery vendors while presenting impacts to executive leadership.

Lead and manage multi-state money transmitter licensing, regulatory reporting, and examination support across the U.S.; coordinate regulator communications, filing calendars, and licensing strategy; support product and geographic expansion; oversee remediation, external counsel, and mentor licensing staff.

Lead and manage multi-state money transmitter licensing, regulatory reporting, and exam coordination. Own filings, regulator communications, licensing inventories, change-of-control matters, and licensing support for product and geographic expansion. Monitor regulatory developments, coordinate external counsel, and manage/mentor licensing personnel.

Lead the design and scaling of a unified fraud and risk platform. Define product roadmap, run data analysis and A/B tests, collaborate with engineers and data scientists to build real-time fraud detection, manage stakeholders, and balance customer experience with effective risk mitigation.

Lead design and scaling of a unified fraud and risk platform. Define product strategy, own fraud metrics, run SQL-driven analysis and A/B tests, and partner with engineers and data teams to build real-time detection, identity verification, and transaction monitoring. Balance customer experience with risk mitigation and communicate impact to executives, legal, and partners.

Lead and operate Felix's US financial infrastructure and partner ecosystem. Architect banking and payment processor relationships, manage stablecoin and custody partners, translate product needs into partner SLAs, negotiate commercial terms, source vendors for credit products, and build a Partnerships function including playbooks and hiring 2-3 managers.