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Job Summary: Lead the comprehensive financial management of KrediYA's operations in Argentina, ensuring accounting control, efficient liquidity management, and regulatory compliance. Key Highlights: 1. Direct participation in the financial structuring of a fintech operation 2. Exposure to financial management in a complex macroeconomic environment 3. Professional development in financial strategy and treasury **Description:** ---------------- **About KrediYA** KrediYA is a multinational fintech present in seven Latin American countries. We specialize in digital, accessible, and secure credit solutions designed to transform the financial experience of millions of people. With operations in Panama, Guatemala, Costa Rica, Mexico, El Salvador, Honduras, and Colombia—and active expansion plans—we are a dynamic organization focused on results, innovation, and operational excellence. Our vision is clear: continue growing across the region and bring our solutions to new markets in the coming years. At KrediYA, talent is the cornerstone of our transformation. If you are seeking a company with real impact, an agile culture, and growth opportunities, we want to meet you. **Purpose of the Role** Lead the comprehensive financial management of KrediYA's operations in Argentina, ensuring appropriate accounting control, efficient liquidity management, proper application of financial pricing policies, and local regulatory compliance—providing strategic financial visibility to the holding company within a highly dynamic macroeconomic environment. **Key Responsibilities** **1\. Treasury and Financial Pricing Management** * Calculate and propose the daily origination rate considering inflation, funding cost, and country risk. * Monitor daily liquidity and manage working capital for the operation. * Analyze ARS/USD exchange rate exposure and propose mitigation measures. * Evaluate macroeconomic scenarios and their impact on credit origination. **2\. Credit Portfolio Accounting** * Manage the accounting recording of the credit portfolio by cohorts or origination date. * Ensure accurate accrual of interest in inflationary environments. * Analyze financial margin per cohort, considering active rate, funding cost, and real spread. * Assess the accounting impact of portfolio deterioration, collections, and restructurings. **3\. Accounting and Regulatory Compliance** * Apply Argentine accounting standards, including inflation adjustment. * Guarantee compliance with local accounting and regulatory obligations. * Coordinate with risk departments to ensure proper provisioning and portfolio impairment. **4\. Bank and Investor Relations*** Negotiate financing lines with local financial institutions. * Optimize the cost of capital and funding structures for the operation. **5\. Strategic Reporting*** Prepare financial reports for the holding company, including analysis of real margin, inflation exposure, and exchange rate risk. * Generate sensitivity analyses against macroeconomic changes. **Benefits of the Role** * Direct participation in the financial structuring of a fintech operation in Argentina. * Exposure to financial management in a complex macroeconomic environment. * Professional development in financial strategy, treasury, and credit-focused accounting. **Required Profile** * Academic background — Professional degree in Accounting, Finance, Economics, or related fields. **Experience** * Experience in finance roles within fintechs, banking institutions, or credit companies. * Experience in financial management within inflationary environments (Argentina experience highly desirable). * Experience in interest rate analysis, funding, financial accounting, and liquidity management. **Soft Skills** * Strong analytical capability. * Strategic business-oriented thinking. * Decision-making ability under pressure. * Attention to detail and financial rigor. * Clear communication of financial information. * Adaptability to volatile macroeconomic environments. **Technical Skills** * Advanced knowledge of corporate treasury. * Financial accounting applied to credit portfolios. * Analysis of active and passive interest rates. * Liquidity and working capital management. * Knowledge of Argentine accounting standards and inflation adjustment. * Financial margin and spread analysis. * Financial scenario modeling and stress testing.
