Credit Policy Analyst – Senior

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

📋 Description

• Oversee and assess the performance and quality of loan vintages along with the credit portfolio, pinpointing trends, risks, and opportunities for optimization.

• Assess, devise, and oversee credit policies designed to boost the approval rate while meticulously managing delinquency and anticipated losses.

• Create simulation models, conduct A/B tests, and perform sensitivity analyses to aid strategic decisions regarding approvals and credit limits.

• Enhance monitoring processes and regular reporting, ensuring improved predictability of indicators for leadership and partner departments (Product, Risk, Sales, and Finance).

• Cultivate a comprehensive understanding of the dynamics within the real estate sector to formulate robust assumptions and data-driven recommendations for decision-making.

• Work in tandem with Data, Engineering, and Product teams to facilitate the implementation of new policies and enhancements in decision engines.

• Contribute to the ongoing advancement of risk mitigation processes and foster a data-driven culture at Loft.

⛳️ Requirements

• Proven experience in managing credit policies, tracking delinquency metrics, risk management, and portfolio/vintage analysis.

• Strong analytical capabilities to translate complex data into clear diagnoses and strategic business insights.

• Proficient in SQL for data extraction and manipulation, along with experience using data visualization tools (Looker, Tableau, Power BI, or similar).

• Solid business acumen with the ability to balance approval growth against portfolio risk management.

• Clear and assertive communication skills to present analyses, scenarios, and recommendations to varied audiences and support executive decision-making.

• A proactive approach, ownership mentality, and results-driven focus in a fast-paced environment.

• Previous experience in fintechs, financial institutions, or the real estate/rental guarantee market is advantageous.

🏝️ Benefits

• Caju - Enhanced flexibility in utilizing your benefits (Meal, Grocery, Mobility, Health, Remote Work, Culture, and Education).

• Medical insurance.

• Dental insurance.

• Life insurance.

• Wellhub - Access to gyms across the nation.

• Wellz - Mental health support platform.

• Parental leave for parents.

• Guapeco - Discounted pet health insurance.

• Work in a hybrid model.