Senior Credit Data Analyst

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

📋 Description

• Develop, test, and enhance credit policies (including underwriting, credit limits, and cutoff rules), while assessing the impact of each modification on approval rates, risk, and overall business outcomes.

• Establish and sustain monitoring for credit KPIs, such as approval rate, vintage delinquency, first payment default (FPD), over 30/60/90 days, roll rate, and loss metrics.

• Examine deviations in KPIs, pinpoint root causes, and provide clear recommendations to the business team.

• Oversee the effectiveness of models and scores applied in credit policy (KS, Gini, PSI) and determine when recalibration is necessary.

• Design A/B tests and lead champion/challenger testing for credit policies.

• Deliver analyses to managers and business teams, converting data into actionable insights.

• Act as a technical resource for junior analysts by reviewing their code and analyses.

⛳️ Requirements

• Extensive experience—typically 5 or more years—in credit data analysis within the banking, fintech, retail, or telecommunications sectors.

• Hands-on experience with credit policy, including proposing, executing, and overseeing policy modifications.

• Strong understanding of key credit risk indicators and vintage analysis.

• Proficient in SQL and Python for data analysis (including libraries such as pandas and NumPy).

• Familiarity with SAS.

• Robust statistical foundation.

• Capability to convey complex analyses clearly to non-technical audiences.

🏝️ Benefits

• Cost-of-living allowance.

• Health insurance.

• Dental insurance.

• Meal voucher.

• Home office allowance.

• Gympass.