Aplazo

Risk

• Develop, maintain, and enhance dashboards, reports, and analytical frameworks to monitor portfolio performance, fraud trends, and acquisition quality.
• Contribute to the design, testing, and optimization of credit policies, underwriting rules, and fraud prevention strategies to improve the margin profile of the business.
• Design and analyze champion/challenger tests and other experiments to evaluate strategy changes, measure impact, and recommend next steps.
• Conduct deep-dive analyses to identify risk drivers, emerging patterns, and opportunities for improvement across the customer lifecycle (acquisition, customer management, collections, fraud).
• Work closely with Product, Engineering, Data Science, and Operations to translate analytical findings into actionable product and process improvements.
• Build and improve automated processes, queries, and lightweight tools to increase the speed and efficiency of the Risk team's analytical workflows.
• Maintain clear documentation of methodologies, policies, and analytical outputs to support governance and compliance standards.

Risk Analyst

• Identify problems and search for solutions to customer inquiries.
• Correctly document data using the given tools.
• Meet individual and team performance targets.
• Follow up on customer problems until resolved.
• Recognize trends for non-payment and fraud.
• Constantly monitor customers and transactional records.

Risk Support

Product Manager

• Support discovery and validation of new product initiatives (e.g., new credit products, payment experiences, service integrations, card products, etc.)
• Conduct user research, competitive analysis, and market benchmarking to inform product opportunities
• Translate hypotheses into structured experiments (A/B tests, pilots, MVP launches)
• Partner with Risk, Growth, Finance, Operations, and Engineering to define requirements and launch early-stage products
• Write clear product requirement documents (PRDs), define acceptance criteria, and support backlog prioritization
• Monitor KPIs for emerging products (adoption, activation, revenue, repayment behavior, retention, unit economics)
• Use SQL and analytics tools to analyze experiment results, user behavior, and product performance
• Support go-to-market coordination including product positioning, internal enablement, and FAQ documentation
• Identify operational bottlenecks and help design scalable processes before full product scale
• Contribute to roadmap planning for near-term bets and long-term strategic opportunities

Associate Product Manager – Emerging Business

Customer Success Manager

• Lead CRM projects through all phases: Definition, Measurement, Analysis, Implementation, and Control.
• This includes hands-on campaign execution, rigorous A/B testing, and the technical implementation of automated communication flows.
• Monitor and optimize key performance indicators such as LTV (Lifetime Value), GMV, and Profitability.
• Utilize SQL to segment audiences, build deep-dive reports, and identify behavioral insights that inform strategy.
• Design scalable processes for automated customer journeys and lifecycle management.
• Work closely with Marketing, Product, and Credit teams to ensure seamless execution of complex customer communications.

CRM Project Specialist

Affiliate Manager

• Lead the design and execution of Aplazo’s affiliate strategy to maximize revenue generation across BNPL, Virtual Card, and other products.
• Partner with Product, Marketing, and GTM teams to integrate affiliate insights into product value propositions and roadmap decisions.
• Define and refine program structure, incentives, and revenue-share models with affiliate partners.
• Serve as the primary day-to-day operator for affiliate networks and individual merchant programs.
• Negotiate commercial terms, placements, and promotional opportunities with merchant partners and network account teams.
• Develop and maintain long-term relationships with affiliate partners, ensuring mutual growth objectives are met.
• Establish clear KPIs and monitor performance across channels, campaigns, and partners.
• Conduct continuous optimization of affiliate placements, creatives, offers, and incentives based on data insights.
• Work closely with the Business analytics team to build dashboards and reporting processes to communicate performance and forecasts to leadership.
• Work closely with Product, Marketing, CRM, Analytics, and Merchants to synchronize affiliate initiatives with broader growth strategies.
• Educate internal teams about affiliate mechanics, impact, and performance drivers.
• Coordinate campaign launches, promotions, and seasonal pushes to maximize affiliate impact.

Risk Analyst

Risk Support

Associate Product Manager – Emerging Business

CRM Project Specialist

Affiliate Strategy – Optimization Manager