---
title: 'Credit Risk Data Engineer at Kiwi Financial Inc'
canonical: 'https://feeny.ai/job/credit-risk-data-engineer-kiwi-financial-inc-santo-domingo-fmjnmeg0eq4w'
type: 'job'
last_seen: '2026-10-15'
---

# Credit Risk Data Engineer at Kiwi Financial Inc

- **Company:** Kiwi Financial Inc
- **Location:** Santo Domingo, Dominican Republic
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-29
- **Last confirmed live:** 2026-10-15
- **Apply:** https://jobs.ashbyhq.com/kiwi/c6c28005-e5c6-42c1-8901-a9aa5783141e

## Job description

We are looking for a Data Engineer to own the data layer behind Kiwi's credit risk decisions. Your mission is to make sure Credit Risk always has the data it needs, when it needs it, in the right shape and in the right place. You will own every data point that feeds an underwriting or renewal decision, from the moment a vendor returns it to the moment a model or analyst uses it. If an input breaks, goes stale, or drifts, you will be the first to know. This is a new role. Today our data scientists check data quality and availability while also building models. We are creating this position so the data layer has a dedicated owner and issues are caught early, before they affect decisions.

## Responsibilities

- Own the inventory of every credit data source, including TransUnion, Clarity, Plaid, Prism, and internal data from the app and loan servicing.
- Define, for each source, what data Credit Risk needs, at what grain, how fresh it must be, and where it lands.
- Write data contracts with the engineers who build the vendor integrations, covering expected fields, types, null rules, and volumes.
- Confirm that raw vendor responses are stored completely and can be reused for model development and audits.
- Monitor freshness, volume, fill rate, and schema for every source and every model input.
- Set up alerts for when a feature's fill rate drops, a vendor stops returning a field, or volumes deviate from baseline.
- Track input drift for production models alongside the data scientists.
- Triage data incidents: find the root cause, route the fix to the right owner, and track it to closure.
- Own the Credit Risk layer of our Snowflake warehouse, including raw, staging, mart, and feature tables.
- Build and maintain the pipelines and transformations behind application, loan, performance, and vendor data.
- Keep modeling datasets reproducible, so data scientists can rebuild a point-in-time training set without leakage.
- Maintain the tables behind the Credit Risk dashboards and governed metrics.
- Write automated tests for keys, duplicates, ranges, referential integrity, and reconciliation between sources.
- Maintain documentation and lineage: what each table and field means, where it comes from, and who uses it.
- Keep the owner registry up to date for every vendor, model, and model input.
- Support vendor oversight by checking SLAs and reconciling pull counts against vendor invoices.

## Requirements

- 4+ years of experience in data engineering or analytics engineering, including time as the main owner of a production data platform.
- Expert SQL and strong data modeling skills, including dimensional models, slowly changing data, and point-in-time snapshots.
- Hands-on experience with a cloud data warehouse, ideally Snowflake.
- Experience with a transformation framework such as dbt, using version control, code review, and CI.
- Python for pipelines, tests, and automation.
- A track record of building data quality tests and alerting, using dbt tests, Great Expectations, Monte Carlo, Elementary, or custom checks.
- Experience with an orchestration tool such as Airflow, Dagster, or Prefect.
- An ownership mindset: you notice problems before others do, follow them to the root cause, and close them out.
- Clear written communication: you can write a data contract, an incident note, or table documentation that others rely on.

Our technology

Our risk and data environment includes Snowflake, DBT, Airflow, Python, and Metabase, with credit bureau and bank data from providers such as TransUnion, Clarity, and Plaid. We value experience with the underlying data engineering challenges; prior use of every tool in this stack is not required.

## Nice to have

- Experience in fintech or lending, especially with credit bureau data (TransUnion, Experian, Clarity) or bank data (Plaid).
- Experience supporting data scientists with feature tables and training datasets, including avoiding leakage.
- Familiarity with model monitoring concepts such as PSI, drift, and fill rates.
- Exposure to lending compliance, such as FCRA, adverse action, and data retention.
- Experience with BI tools such as Metabase.
- Bilingual in Spanish and English.

## What we offer

- The opportunity to work on critical financial products with direct impact on customers and business growth.
- Full ownership of the Credit Risk data layer and the opportunity to shape how it evolves.
- Meaningful challenges across data pipelines, data quality, monitoring, and modeling datasets.
- An environment where AI is becoming a core part of how we work and build.
- A collaborative multidisciplinary team across Credit Risk, Data Science, Engineering, and Product.
- 100% remote — [Argentina, Colombia, Dominican Republic].

## About Kiwi Financial Inc

## Company Overview
- **One-liner**: Kiwi Financial (Kiwi) is a digital fintech platform that provides personal loans and credit-building tools specifically designed for U.S. Hispanic consumers with limited or no credit history.
- **Entity Type**: Private (funding stage: Series A + debt facilities)
- **Headquarters**: San Juan, Puerto Rico (with additional offices in New York, NY)
- **Founded**: 2020
- **Founders**: Mariano Sanz and Alexander Schachter

## Core Business
- **Primary industry**: Consumer Finance / Fintech
- **Target customers**: B2C – U.S. Hispanic consumers who are underbanked or have thin credit files
- **Mission**: To empower Latinos by providing tools and resources to establish credit, access capital, and save money.

## Products & Services
- **[Kiwi Personal Loans]**: Unsecured personal loans up to $3,000 with flexible installment payments. The application and account management are 100% digital. Payments are reported to all three major credit bureaus (TransUnion, Experian, Equifax), helping customers build credit history. The platform uses 256-bit SSL encryption for security. [kiwicredito.com](https://www.kiwicredito.com/en)

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total funding of **$190.93M**, including a $100M credit facility from Community Investment Management (CIM) closed in November 2025, a $7.8M Series A co-led by LIP Ventures Boutique and Advent-Morro Equity Partners in June 2025, and earlier seed rounds totaling $8M. [cbinsights.com](https://www.cbinsights.com/company/kiwi-financial)
- **Notable Investors/Partners**: Community Investment Management (CIM), Advent-Morro Equity Partners, Neer Venture Partners, Independent Capital, Invariantes Fund, LIP Ventures Boutique.
- **Growth Signals**: Served over **100,000 consumers** to date; headcount grew **+20.7% YoY** (conflicting reports: LinkedIn shows ~59 employees, Built In shows 101); expanding into additional U.S. states; planning to launch new products (savings, spending tools); partnership with CIM signals strong institutional confidence. [linkedin.com](https://www.linkedin.com/company/kiwi-credito) [builtin.com](https://builtin.com/company/kiwi-kiwicreditocom)

## Competitive Advantages
- **Niche focus**: Exclusively targets the U.S. Latino market, which represents nearly 20% of the U.S. population and contributes over $4 trillion to the economy annually, yet remains vastly underserved by mainstream banks.
- **AI-driven underwriting**: Uses alternative data and AI to evaluate creditworthiness for consumers with no traditional credit history, enabling approvals where others decline.
- **Credit building**: Reports loan payments to all three credit bureaus, directly helping customers establish a credit score while accessing capital.
- **Proven playbook**: Founders adapted successful credit-building models from emerging markets (Dominican Republic) to the U.S. Hispanic demographic.

## Strategic Focus
- **Geographic expansion**: Entering new U.S. states to reach more underserved communities.
- **Product expansion**: Building a full financial platform beyond loans – including savings and spending tools – to deepen customer engagement and economic mobility.
- **AI infrastructure**: Scaling AI capabilities to improve underwriting, customer experience, and operational efficiency (evidenced by active hiring for Senior AI Platform Engineer roles). [jobs.ashbyhq.com](https://jobs.ashbyhq.com/kiwi)

## Why Work Here
- **Mission-driven**: Opportunity to work on financial inclusion for a fast-growing, underserved demographic with tangible social impact.
- **Remote-friendly**: Offers remote work options with physical offices in New York, NY (onsite) and San Juan, Puerto Rico. Employees are distributed across 8 countries (Colombia, Dominican Republic, Argentina, Mexico, Puerto Rico, etc.).
- **Engineering culture**: Emphasis on AI, platform engineering, and data science; active hiring for senior technical roles (Senior Platform Engineer, Senior AI Platform Engineer).
- **Growth trajectory**: Young company (founded 2020) with strong funding, rapid headcount growth, and clear product roadmap – ideal for those seeking high-impact roles in a scaling fintech.
- **Diverse team**: Multicultural workforce with leadership from Dominican Republic, Argentina, and Puerto Rico; talent sourced from companies like Mercado Libre, Scotiabank, and Platzi.

## Sources
1. [kiwicredito.com](https://www.kiwicredito.com/en) – Company website (product details, mission)
2. [cbinsights.com](https://www.cbinsights.com/company/kiwi-financial) – Funding history, headquarters, investors
3. [builtin.com](https://builtin.com/company/kiwi-kiwicreditocom) – Careers, culture, headcount, office locations
4. [linkedin.com](https://www.linkedin.com/company/kiwi-credito) – Employee count, growth, recent hires, locations
5. [jobs.ashbyhq.com](https://jobs.ashbyhq.com/kiwi) – Active job postings (Senior AI Platform Engineer, etc.)

## Other roles at Kiwi Financial Inc

- [Customer Support Agent](https://feeny.ai/job/customer-support-agent-kiwi-financial-inc-santo-domingo-zt6448tet80t) — Santo Domingo, Dominican Republic
- [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-kiwi-financial-inc-colombia-wxnjn8dyfxa7) — Colombia
- [Engineering Lead (Credit Risk)](https://feeny.ai/job/engineering-lead-credit-risk-kiwi-financial-inc-argentina-trqy090b8hbk) — Argentina
- [Product Manager](https://feeny.ai/job/product-manager-kiwi-financial-inc-argentina-wabnv422c325) — Argentina
- [Product Analyst](https://feeny.ai/job/product-analyst-kiwi-financial-inc-argentina-7zar9t2yede9) — Argentina