---
title: 'Engineering Lead (Credit Risk) at Kiwi Financial Inc'
canonical: 'https://feeny.ai/job/engineering-lead-credit-risk-kiwi-financial-inc-argentina-trqy090b8hbk'
type: 'job'
last_seen: '2026-10-15'
---

# Engineering Lead (Credit Risk) at Kiwi Financial Inc

- **Company:** Kiwi Financial Inc
- **Location:** Argentina
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-29
- **Last confirmed live:** 2026-10-15
- **Apply:** https://jobs.ashbyhq.com/kiwi/80578e6a-46e1-4adc-981f-5e77c9fd3e67

## Job description

We are looking for a hands-on Engineering Lead to lead the engineering team responsible for bringing Kiwi's credit risk capabilities into our lending products. Credit decisions depend on multiple systems working together: application services, data and external providers, risk APIs, and machine learning models. This team builds and operates the software that connects those systems and supports decisions throughout the lending lifecycle. Its work has a direct impact on the reliability of our credit application flow and the speed at which we can deliver improvements. You will lead engineers and remain actively involved in technical design, implementation, code reviews, and production support. You will work closely with Credit Risk and Data Science to integrate validated models into reliable production systems and improve the engineering practices that support their deployment and operation.

## Responsibilities

- Lead the Credit Risk Engineering team, setting technical direction, planning delivery, mentoring engineers, reviewing code, and contributing hands-on to critical work.
- Design, build, and operate the backend services and APIs that integrate risk capabilities into Kiwi's lending products.
- Improve the reliability of credit decision flows across services and external dependencies, including API contracts, latency, timeouts, failure handling, observability, and incident response.
- Partner with Credit Risk and Data Science to integrate models into production and improve MLOps practices, including deployment automation, versioning, testing, monitoring, and rollback.
- Improve the architecture and maintainability of risk services and integrations, addressing technical debt while supporting the delivery of new risk capabilities.

## Requirements

- Experience leading engineers while remaining hands-on with system design, implementation, and production support.
- Strong backend engineering experience with TypeScript and Node.js, including building and operating APIs and microservices.
- Experience integrating services into critical customer flows, with a solid understanding of latency, timeouts, partial failures, retries, and observability.
- Proven hands-on experience with MLOps in production, including model deployment, versioning, monitoring, and rollback.
- Working knowledge of Python and experience collaborating on systems that serve machine learning models in production.
- Experience deploying and operating containerized services on AWS, using Docker and CI/CD pipelines.
- Strong SQL and PostgreSQL skills, including investigating data quality and production issues.
- Strong technical judgment and the ability to work effectively across Engineering, Credit Risk, and Data Science.

Our technology

Our lending platform uses TypeScript, Node.js, PostgreSQL, Docker, GitHub Actions, and AWS. Our risk and data science environment includes Python, FastAPI, LightGBM, scikit-learn, Snowflake, Airflow, and dbt. We value experience with the underlying engineering challenges; prior use of every tool in this stack is not required.

## Nice to have

- Experience with consumer lending or BNPL products.
- Experience building or integrating with credit decision engines or rules-based systems.
- Familiarity with Snowflake or a comparable analytical data platform.
- Familiarity with model governance and explainability in US consumer lending.

## What we offer

- The opportunity to work on critical financial products with direct impact on customers and business growth.
- High technical ownership and the opportunity to shape how Kiwi's credit risk technology evolves.
- Meaningful challenges across backend architecture, production integrations, reliability, and MLOps.
- An engineering environment where AI is becoming a core part of how we build software.
- A collaborative multidisciplinary team across Engineering, Credit Risk, Data Science, Product, QA, and Platform.
- 100% remote — Argentina, the Dominican Republic, or Colombia.

## 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
- [Credit Risk Data Engineer](https://feeny.ai/job/credit-risk-data-engineer-kiwi-financial-inc-santo-domingo-fmjnmeg0eq4w) — Santo Domingo, Dominican Republic
- [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