Senior Credit Modeling Analyst

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

📋 Description

• Develop, implement, monitor, and adjust statistical and machine learning models aimed at credit approval and profitability.

• Engage in the credit decision-making process, which includes suggesting credit limits and payment terms.

• Collaborate in the creation, analysis, review, and modification of the company's credit policies, considering market best practices and relevant regulations.

• Oversee newly implemented policies from both operational and performance viewpoints, assessing short-term indicators of new cohorts.

• Perform regular portfolio assessments to identify trends, risks, and areas for enhancement.

• Work closely with the credit desk, collections, finance, and systems/IT teams to ensure alignment of policies and procedures.

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

• Act as a technical resource for the team, sharing expertise and supporting the development of advanced analyses and models.

⛳️ Requirements

• Bachelor's degree in Statistics, Economics, Engineering, or a related discipline;

• Experience in banks, financial institutions, payment entities, and/or fintechs;

• Strong background in credit modeling;

• Familiarity with credit analysis tools, statistical/computational models, and credit management platforms;

• Advanced proficiency in Python, R, Databricks, and/or similar technologies;

• Experience in working with and analyzing large datasets;

• Understanding of credit regulations and compliance.

• ✨ Differentials:

• Previous experience with credit policies;

• Postgraduate degree in Statistics, Data Science, or related fields.

🏝️ Benefits

• Reduced 32-hour workweek: 32 hours per week for employees with time tracking;

• Shared-cost health plan for employees and their dependents;

• Clude Saúde: online medical services and additional health solutions;

• Co-pay dental plan available for employees and dependents;

• Meal and food allowance through the Eva Card flexible benefits card, averaging R$ 1,600.00 monthly;

• Wellhub: corporate fitness platform focused on quality of life and well-being, granting access to partner gyms and studios for employees and dependents;

• Home office allowance of R$ 140.00 per month;

• Work infrastructure (equipment/support);

• Birthday day off;

• Corporate University;

• Tuition assistance for employees and dependents, as per company policy;

• Language-course subsidy for employees, according to company policy;

• Extended maternity leave of 7 months and extended paternity leave of 30 days, also applicable to adoptive parents;

• Life insurance;

• Emotional health program and discounted psychological care for employees and dependents via the Moodar platform;

• Benefits club offering exclusive discounts and partnerships for Efí employees.