Junior Credit Policy and Modeling Analyst

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

📋 Description

• Collaborate in the development, analysis, review, and enhancement of credit policies, considering industry best practices and relevant regulations.

• Create statistical and mathematical models to assess default risk utilizing credit scoring, Machine Learning, and statistical analysis methodologies.

• Assist in the formulation of models aimed at quantifying the profitability of credit decisions.

• Engage in credit-granting decisions, providing recommendations for credit limits and payment terms.

• Oversee the execution of policies from both operational and performance viewpoints, evaluating indicators for new vintages.

• Perform periodic analyses of the portfolio to uncover trends, risks, and opportunities for enhancement.

• Work together with the credit desk, collections, finance, and systems teams to ensure uniformity across policies and procedures.

• Create analytical reports and presentations for senior management and internal stakeholders.

⛳️ Requirements

• A bachelor's degree in Statistics, Economics, Engineering, Mathematics, Physics, or a related discipline.

• Experience in credit analysis and familiarity with credit policies.

• Proficient in handling large datasets.

• Knowledge of Python or R programming languages.

• Familiarity with credit analysis tools, statistical models, and credit management systems.

• Understanding of credit regulations and compliance requirements.

• Excellent verbal and written communication abilities.

• Prior experience in financial institutions is advantageous.

🏝️ Benefits

• Reduced 32-hour workweek.

• Copay-based health insurance coverage for employees and their dependents.

• Clude Saúde: access to online medical services and additional healthcare solutions.

• Copay-based dental insurance for employees and their dependents.

• Meal and food allowances through the Eva Card, averaging R$1,600.00 monthly.

• Wellhub: access to partner gyms and studios for employees and their dependents.

• Monthly home-office allowance of R$140.00.

• Provision of work equipment and infrastructure.

• A day off for birthdays.

• Corporate University offerings.

• Educational assistance for employees and their dependents, as per company policy.

• Language learning support for employees, according to company policy.

• Extended maternity leave of seven months and extended paternity leave of 30 days, applicable to both adoptive mothers and fathers.

• Life insurance coverage.

• Emotional wellness program and discounted psychological care for employees and their dependents through the Moodar platform.

• Benefits Club providing exclusive discounts and partnerships for Efí employees.