Analista de Inteligência de Crédito Sênior

Construtora Tenda; São Paulo; Híbrido; BRL 80.000 - 120.000; Tempo integral

Resumo da oferta

Uma empresa de construção em São Paulo está em busca de um Analista de Inteligência de Crédito Sênior. O candidato ideal terá sólida experiência em análise de portfólio e políticas de crédito, especializado em Provisão para Devedores Duvidosos (PDD) e um forte domínio de SQL e Python. Este papel envolve a promoção de integração entre áreas, apoio em decisões estratégicas e melhoria contínua de processos, sempre visando a eficiência dos resultados. Benefícios incluem plano de saúde, vale-refeição e um ambiente que valoriza a diversidade.

Serviços

Vale-refeição

Vale-transporte

Bônus anual conforme resultados

Plano de saúde

Assistência creche

Qualificações

• Educação em administração, contabilidade, financeira ou áreas relacionadas.
• Experiência em metodologias de PDD e políticas de crédito.
• Conhecimento em SQL e Python.

Responsabilidades

• Atuar na sustentabilidade das metodologias de PDD e políticas de crédito.
• Promover integração entre áreas parceiras.
• Conduzir estudos analíticos e oferecer suporte técnico.

Conhecimentos

Experiência em Provisão para Devedores Duvidosos (PDD)

Análise de portfólio de crédito

SQL

Python

Desenvolvimento de políticas de crédito

Formação académica

Educação em administração, contabilidade, gestão financeira ou áreas relacionadas

Ferramentas

SAP

Descrição da oferta de emprego

Analista de Inteligência de Crédito Sênior

Workplace: São Paulo - SP São Paulo - SP

Job type: Full-time employee Full-time employee

Here at Construtora Tenda, our purpose is clear: desafiar o impossível para que mais pessoas conquistem o seu lugar no mundo. With 56 years of history, we are a publicly‑traded company, present in 9 states, with more than 5,000 employees building the unimaginable every day. We are among the main construction firms in Brazil in the affordable housing segment, operating with the Minha Casa Minha Vida program, bringing innovation, efficiency and focus on dignified and accessible housing.

Here, you will find an environment that values continuous learning, protagonism and authentic relationships. Working at Tenda means facing real challenges, with direct impact on thousands of families and on your own career path.

We believe that diversity and inclusion make our team stronger. Therefore, all our positions are also open to professionals with disabilities (PcD), reinforcing our commitment to a plural, respectful and collaborative environment.

👉 Now we want to tell you more about the Analyst position in the Credit Intelligence area and how you can build the future with us.

• Act in the evolution and sustainability of the methodologies for Provisão para Devedores Duvidosos (PDD) and credit policies, assessing impacts, regulatory compliance and alignment with business strategy. This year we will work with new methodologies and policies, so it is essential that the candidate has solid experience in both areas.
• Be the technical reference in the analysis of the credit portfolio of Tenda and ALEA operations, ensuring methodological consistency, analytical quality and depth of insights generated by junior analysts.
• Support strategic decision making through thorough analytical studies, linking portfolio behavior, risk, results and cash.
• Promote integration among partner areas (Credit, Collection, Business, Finance, BI and Technology), ensuring conceptual alignment, a single data view and fluid use of information.
• Actively contribute to the continuous improvement of credit management processes, proposing structural adjustments to models, rules, indicators and data governance.
• Serve as the technical focal point in critical, complex or strategic demands, supporting analysts and leaders in problem resolution and robust solution development.
• Identify and lead automation, standardization and efficiency opportunities, increasing the quality, scalability and reliability of area deliveries.
• Work with new and old loss provision (PDD) and credit policy methodologies.
• Promote constant integration and collaboration with related areas to enhance data understanding, aligning analyses with business strategies.
• Develop and validate advanced reports on the credit portfolio of Tenda and ALEA operations, providing insights for decision making based on data.
• Offer technical and strategic support to the team, being a reference in complex and critical requests, serving as support for other analysts.
• Ensure large‑scale data extraction and manipulation, using SQL, Python and/or other advanced analytic tools or languages for high‑impact analyses.
• Conduct in‑depth studies to support credit management decisions, proposing structural improvements to processes and data governance.
• Identify automation opportunities and workflow improvements, optimizing efficiency and delivery quality.
• Education in administration, accounting, financial management, business management, business administration, law, marketing or related fields;
• Advanced computer skills (complete Office suite);
• Experience in loss provision (PDD) and credit policy methodology.
• Knowledge in policy/model development and maintenance of credit models.
• Knowledge of SQL and/or Python;
• Knowledge of SAP system is desirable;
• Experience in collection, finance area;
• Experience in third‑party management.

Essentials Benefits

• Meal Voucher and Food Voucher; iFood Benefits available.
• Transport Voucher – available for other positions;
• Annual bonus based on results attainment.

Health and Wellness

• Health Plan – the holder does not pay monthly fees, only copayment per use;
• Wellhub;
• Dr. Alper – free consultations with specialists in various areas;
• Pregnancy Program and extended maternity leave;
• Pharmacy partnership.

Quality of Life

• Hybrid regime – 2 days per week remote work;
• Flexible hours;
• Birthday day off;
• Alvo Viva Bem – a dedicated channel for employees.

Career and Development

• Education platform.

For you and your family

• Crèche assistance for mothers;
• Extended paternal leave.

Extra Benefits and Advantages

• Discount on Tenda apartments;
• Discount on Cinemark tickets.

This is the purpose that inspires and drives us every day, since 1969.

We are one of the main construction companies in Brazil in the affordable housing sector, through the Minha Casa program. We are listed on Novo Mercado, the highest level of corporate governance on the B3 (for more information, visit: https://ri.tenda.com/).

We operate in nine states across the country and have already realized the dream of over 180,000 families, showing that obtaining the first home is possible.

Come join us in the challenge of building the world’s place for many people?