Product Analyst III – Real Estate Lending

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

📋 Description

• Deliver specialized assistance for real estate lending products, processes, and systems.

• Interpret and implement regulations, rules, and operational procedures pertinent to the SFH, SFI, FGTS, housing programs, and home equity.

• Provide technical consulting services to affiliated cooperatives and internal departments.

• Organize, elaborate, and monitor product enhancement requests, projects, and business requirements.

• Analyze and resolve incidents, exceptions, and intricate issues associated with real estate lending operations.

• Track regulatory changes, risks, and operational impacts, recommending adjustments as needed.

• Act as a liaison among business, technology, vendors, and control functions.

• Share technical expertise and assist in the professional development of team members within the department.

⛳️ Requirements

• Bachelor's degree in Business Administration, Economics, Law, Accounting, Engineering, Technology, or related disciplines.

• Graduate degree is preferred.

• Extensive experience in real estate lending, with a strong grasp of products, operations, and processes.

• Comprehensive understanding of rules and concepts relevant to the SFH, SFI, FGTS, and housing programs.

• Familiarity with the entire real estate financing lifecycle, from origination to loan servicing.

• Capacity to interpret regulations and convert regulatory requirements into processes, controls, and business specifications.

• Proven experience in analyzing complex issues, managing incidents, and addressing operational exceptions.

• Background in gathering requirements, enhancing processes, and contributing to projects.

• Analytical skills to evaluate risks, impacts, and business opportunities.

• Excellent interpersonal and communication skills, including proficiency in strategic presentations across business, technology, vendor, and cooperative teams.

• Experience with regulatory projects, audits, compliance, or risk management is beneficial.

• Experience in credit cooperatives, banks, fintechs, or platforms specializing in real estate lending is advantageous.

• ABECIP CA-600 certification is an asset.

• Understanding of real estate collateral and its effect on provisioning and product profitability is a plus.

• Experience with real estate lending origination and management platforms, such as Prognum, is an advantage.

• Familiarity with product management, backlog management, and agile methodologies is a plus.

🏝️ Benefits

• Medical Insurance

• Dental Insurance

• Renascer Program

• Special Occasion Benefits

• Education Investment

• Profit-Sharing Program

• Individual Development Plan

• Private Pension Plan

• Life Insurance

• Time Together

• Meal and/or Food Voucher

• Transportation Voucher

• Childcare/Nanny Assistance