Accountabilities:

• Analyze credit portfolio performance using business, risk, and profitability indicators to identify trends, opportunities, and potential risks.
• Develop ad hoc quantitative studies and analyses to support strategic business and credit decisions.
• Propose, implement, monitor, and continuously improve credit policies and related strategies.
• Identify opportunities to automate analytical processes and increase operational efficiency.
• Transform complex datasets and analytical findings into clear, actionable recommendations for business stakeholders.
• Monitor portfolio performance and investigate relevant changes or anomalies, supporting proactive decision-making.
• Contribute to initiatives focused on sustainable portfolio growth, risk management, and continuous improvement.
• Collaborate with multidisciplinary teams and stakeholders to ensure analytical insights are effectively incorporated into business decisions.

Requirements

• Bachelor’s degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Computer Science, or a related field.
• Previous experience in financial analysis, accounting, credit analysis, or a closely related analytical role.
• Advanced proficiency in SQL for data extraction, querying, and manipulation.
• Advanced Excel skills, including PivotTables, lookup functions, charts, and data analysis.
• Ability to interpret data and transform quantitative findings into practical business recommendations.
• Knowledge of descriptive statistics and fundamental quantitative analysis concepts.
• Strong analytical and critical-thinking skills, with an investigative and curious mindset.
• Proactive and autonomous approach, with strong organization and ability to manage competing priorities.
• Effective communication skills and the ability to collaborate with multidisciplinary teams.
• Results-oriented mindset and commitment to continuous improvement.

Preferred qualifications:

• Experience with data visualization tools and dashboard development, particularly Power BI.
• Knowledge of Python, PySpark, and VBA.
• Experience with credit decision engines, credit policies, or financial institutions.
• Knowledge of corporate credit products, such as credit cards and working capital solutions.
• Familiarity with statistical techniques including regression, ROC/AUC, KS, and time-series analysis.
• Exposure to quantitative methods, causal inference, and model monitoring.

Benefits

• Medical and dental insurance.
• Life insurance.
• Employee support program providing legal, social, psychological, and financial assistance.
• Wellhub membership and wellness support.
• Benefits card providing flexible allowances for meals, food, mobility, or telework, according to the employment arrangement.
• Extended maternity leave of up to 6 months.
• Extended paternity leave of 20 days.
• Pregnancy and return-to-work support program.
• Childcare assistance for eligible employees, including parents with unilateral or shared custody.
• Participation in a results-sharing program.
• Full-time, on-site work environment in São Paulo, Brazil.
• Opportunities for professional development within a technology and financial services environment.