To answer your question, imagine two situations.
Robin, a friend of yours, has told you that s/he will be competing in a chess competition.
In situation A, the competition has already taken place and you may or may not know the result.
In situation B, the competition has not yet taken place.
In situation A, imagining that Robin has lost, you would report:
Robin said (that) s/he wouldn't cry if s/he lost.
Imagining that you don't know the result, you might report:
Robin said (that) s/he wouldn't cry if s/he loses
or
Robin said (that) s/he wouldn't cry if s/he lost
The choice is just a matter of preference although I prefer the past tense. There are also other possible constructions such as: ...if she should lose.
In situation B, because the competition lies in the future, you can't know the outcome. Then you could say:
Robin says (that) s/he won't cry if she loses.
Or:
Robin said (that) s/he wouldn't cry if s/he loses.
Or:
Robin said (that) s/he wouldn't cry if s/he lost.
All three are acceptable and correct, depending on the context (with should lose as another option). If Robin has just spoken, you are more likely to report Robin says.... If she spoke some time ago, you would prefer Robin said....
In practice, native English speakers will frequently use a combination of both tenses regardless of which might be most appropriate.
The choice depends on the context, on timing and on your preference.