Credit Policy Analyst – Senior

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Develop and assess credit policies, ensuring alignment with business guidelines and regulatory requirements;

• Define, implement, and oversee internal policies and procedures, ensuring they remain current and compliant with regulations;

• Act as the liaison among Credit Origination/Underwriting, Monitoring, Collections/Recovery, and Product teams, ensuring policy and process integration and consistency;

• Lead initiatives within the credit domain;

• Work alongside the Data team to conduct statistical analyses aimed at enhancing credit policies;

• Prepare studies and analyze data, recommending modifications and adjustments to credit indicators and processes;

• Assess the credit portfolio, evaluating deterioration risk and interpreting data from credit bureaus and the SCR (credit information system);

• Review and recalibrate models and variables within the credit engine;

• Assess the effectiveness of credit modeling and rule performance;

• Monitor and suggest risk indicators for credit products, ensuring efficient risk management and regulatory adherence;

• Present reports and analyses regarding credit engine performance, offering strategic insights for decision-making;

• Identify and assess new solutions and technologies in credit management.

⛳️ Requirements

• Bachelor's degree in Business Administration, Financial Mathematics, Economics, or related disciplines;

• Postgraduate degree (e.g., specialization or master's) in Data Analytics, Finance, Credit and Collections, Economics, or similar fields;

• Experience in the financial sector (fintechs, payments industry, and other financial institutions) with an emphasis on credit products and policies;

• Professional experience utilizing BI tools (Metabase, Power BI, Excel, among others) to generate reports and dashboards;

• Familiarity with credit metrics and KPIs;

• Proficient in SQL and Python;

• Experience with credit-related regulatory requirements (CMN, Central Bank of Brazil, and audits);

• Knowledgeable in Statistics.

🏝️ Benefits

• Medical and dental coverage with no co-pay

• Life insurance

• Medication purchase allowance

• Fitness allowance

• Free therapy or nutritionist consultations

• Flexible meal benefit

• Childcare assistance

• Parental support program

• Extended maternity and paternity leave

• In-company training platform

• Education assistance covering 70% of undergraduate and language course tuition

• Home office allowance

• Work equipment provided

• Furniture allowance

• Partnerships with coworking spaces