Senior Business Analyst, Credit & Analytics

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

📋 Description

• Lead the integration and validation of external data sources, including credit bureaus, banking and open finance data, as well as tax and financial data.

• Take ownership of the cleanup of customer data consents and connections to ensure external data can be reliably pulled and refreshed in accordance with local regulations.

• Replace manual credit and portfolio processes with consistent, documented SQL/Python workflows.

• Establish data quality checks and maintain relevant documentation.

• Develop and enhance underwriting criteria and strategies for credit limits.

• Design strategies for customer management, including adjustments to credit lines such as increases, decreases, and reinstatements.

• Identify high-risk customers and create loss-mitigation processes.

• Collaborate with Sales and Business Development to align growth strategies with credit policies.

• Define key performance indicators (KPIs) for the portfolio and create dashboards to monitor portfolio health and strategy effectiveness.

• Construct early-warning signals and establish monitoring routines.

• Provide Collections with insights for segmentation and prioritization.

• Contribute to loss forecasting and risk-adjusted return analysis in partnership with Finance.

• Apply statistical techniques such as logistic regression, segmentation, and clustering.

• Develop, validate, and oversee credit risk models.

• Assist in defining rules and data requirements for automated credit decision-making in collaboration with Product and Engineering.

• Translate model outcomes into actionable recommendations for credit leadership and business partners.

• Utilize AI tools to enhance analysis, validate outputs against source data, and improve AI workflows.

• Collaborate with data science, engineering, product, collections, and sales; this is an individual contributor role without current people-management responsibilities.

⛳️ Requirements

• 3–7 years of analytics experience in credit risk, with practical involvement in commercial or SMB credit within cards, payments, lending, or a related sector.

• Advanced proficiency in SQL, including the ability to query large, complex datasets and ensure data quality.

• Working knowledge of Python for analysis and statistical modeling, encompassing regression, segmentation, and clustering.

• Experience with external or alternative data sources such as bureaus, banking, open finance, or tax data, ideally involving integration or data cleaning.

• Familiarity with AI tools like Claude, ChatGPT, or Gemini in analytical contexts.

• Proven ability to transform analysis into implemented credit policies or strategic changes with measurable outcomes.

• Professional fluency in English.

• Capability to work with significant overlap with Latin American business hours.

• Ability to operate independently and assume ownership of tasks.

• Excellent written and verbal communication skills.

• Knowledge of the Latin American credit data landscape and open finance ecosystems is preferred.

• Experience in implementing, validating, or monitoring risk and scoring models is preferred.

• Background in supporting collections strategy or early-warning programs is preferred.

• Familiarity with visualization tools like Tableau, Metabase, or Claude Visualization Tools is preferred.

• Fluency in Spanish and/or Portuguese is preferred.

• Experience in a high-growth startup or fintech environment is preferred.

🏝️ Benefits

• Full-time remote position