Analista de Crédito Pleno

Accountabilities:

• • Analyze credit portfolio performance using business, risk, and profitability indicators to identify trends, opportunities, and potential risks.
  • Develop ad hoc quantitative studies and analyses to support strategic business and credit decisions.
  • Propose, implement, monitor, and continuously improve credit policies and related strategies.
  • Identify opportunities to automate analytical processes and increase operational efficiency.
  • Transform complex datasets and analytical findings into clear, actionable recommendations for business stakeholders.
  • Monitor portfolio performance and investigate relevant changes or anomalies, supporting proactive decision-making.
  • Contribute to initiatives focused on sustainable portfolio growth, risk management, and continuous improvement.
  • Collaborate with multidisciplinary teams and stakeholders to ensure analytical insights are effectively incorporated into business decisions.

  Requirements

  • Bachelor’s degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Computer Science, or a related field.
  • Previous experience in financial analysis, accounting, credit analysis, or a closely related analytical role.
  • Advanced proficiency in SQL for data extraction, querying, and manipulation.
  • Advanced Excel skills, including PivotTables, lookup functions, charts, and data analysis.
  • Ability to interpret data and transform quantitative findings into practical business recommendations.
  • Knowledge of descriptive statistics and fundamental quantitative analysis concepts.
  • Strong analytical and critical-thinking skills, with an investigative and curious mindset.
  • Proactive and autonomous approach, with strong organization and ability to manage competing priorities.
  • Effective communication skills and the ability to collaborate with multidisciplinary teams.
  • Results-oriented mindset and commitment to continuous improvement.

  Preferred qualifications:

  • Experience with data visualization tools and dashboard development, particularly Power BI.
  • Knowledge of Python, PySpark, and VBA.
  • Experience with credit decision engines, credit policies, or financial institutions.
  • Knowledge of corporate credit products, such as credit cards and working capital solutions.
  • Familiarity with statistical techniques including regression, ROC/AUC, KS, and time-series analysis.
  • Exposure to quantitative methods, causal inference, and model monitoring.

  Benefits

  • Medical and dental insurance.
  • Life insurance.
  • Employee support program providing legal, social, psychological, and financial assistance.
  • Wellhub membership and wellness support.
  • Benefits card providing flexible allowances for meals, food, mobility, or telework, according to the employment arrangement.
  • Extended maternity leave of up to 6 months.
  • Extended paternity leave of 20 days.
  • Pregnancy and return-to-work support program.
  • Childcare assistance for eligible employees, including parents with unilateral or shared custody.
  • Participation in a results-sharing program.
  • Full-time, on-site work environment in São Paulo, Brazil.
  • Opportunities for professional development within a technology and financial services environment.