Credit Risk Analyst – Junior

Jobtailor; São Paulo; Presencial; BRL 120 000 - 180 000; Tempo integral

Resumo da oferta

Jobtailor is seeking a data-driven credit risk analyst to support quota sale analyses, monitor risk indicators, and help optimize credit workflows in consumer portfolios.

The role requires a degree in statistics, math, data science, engineering or economics, plus experience in financial data analysis and knowledge of SQL, Power BI, SAS, Python or R. Willingness to travel and collaboration across teams are essential.

Qualificações

• Bachelor's degree in Statistics, Mathematics, Data Science, Engineering, Economics or related fields.
• Experience in financial areas or data analysis for individual customers.
• Basic knowledge of consumer credit analysis.
• Basic knowledge of consórcio, financing or consumer credit.
• Familiarity with credit indicators such as approval rate, delinquency and conversion.
• Intermediate Excel skills.
• Willingness to travel.
• Basic knowledge of SQL, Power BI or data analysis tools.
• Experience with credit bureaus.
• Familiarity with approval flows, credit workflows or decision engines.
• Courses in consumer credit analysis, credit risk, score modeling or consórcio fundamentals.
• Knowledge of SAS, Python or R.

Responsabilidades

• Support credit analyses during quota sale and award (contemplation) processes.
• Monitor risk indicators of consórcio portfolios, such as approval rate, delinquency, conversion and volume.
• Evaluate basic eligibility criteria, income and repayment capacity.
• Support studies to review policies, rules, processes and cut-offs.
• Assist in building management reports, controls and presentations.
• Support testing and validation of new credit policies.
• Monitor implementations in decision engines and approval workflows.
• Interact with partner areas such as Sales, Operations, Collections, Risk and IT.
• Support audit requests, information gathering and organization of evidence.

Conhecimentos

Credit Analysis

Risk Monitoring

Data Analysis

SQL

Power BI

Excel

SAS

Python

R

Formação académica

Bachelor's degree in Statistics

Bachelor's degree in Mathematics

Bachelor's degree in Data Science

Bachelor's degree in Engineering

Bachelor's degree in Economics

Ferramentas

Power BI

SQL

Decision Engines

Credit Workflows

Data Analysis Tools

Descrição da oferta de emprego

• Support credit analyses during quota sale and award (contemplation) processes.
• Monitor risk indicators of consórcio portfolios, such as approval rate, delinquency, conversion and volume.
• Evaluate basic eligibility criteria, income and repayment capacity.
• Support studies to review policies, rules, processes and cut-offs.
• Assist in building management reports, controls and presentations.
• Support testing and validation of new credit policies.
• Monitor implementations in decision engines and approval workflows.
• Interact with partner areas such as Sales, Operations, Collections, Risk and IT.
• Support audit requests, information gathering and organization of evidence.

Requirements

• Bachelor's degree in Statistics, Mathematics, Data Science, Engineering, Economics or related fields.
• Experience in financial areas or data analysis for individual customers.
• Basic knowledge of consumer (individual) credit analysis.
• Basic knowledge of consórcio, financing or consumer credit.
• Familiarity with credit indicators such as approval rate, delinquency and conversion.
• Intermediate Excel skills.
• Willingness to travel.
• Basic knowledge of SQL, Power BI or data analysis tools.
• Experience with credit bureaus.
• Familiarity with approval flows, credit workflows or decision engines.
• Courses in consumer credit analysis, credit risk, score modeling or consórcio fundamentals.
• Knowledge of SAS, Python or R.

Core Competencies

Demonstrates expertise in credit analysis, risk monitoring, and data evaluation, with proficiency in tools such as SQL and Power BI. Capable of supporting policy reviews and collaborating with cross-functional teams to enhance credit processes.

Highest-signal resume keywords

• Credit Analysis
• Risk Monitoring
• Data Analysis
• SQL
• Power BI

ATS Optimization Keywords

Hard Skills

• Credit Analysis
• Data Analysis
• Statistical Analysis
• Financial Analysis
• Excel
• SQL
• SAS
• Python
• R
• Credit Risk

Soft Skills

• Collaboration
• Communication
• Organizational Skills
• Attention to Detail
• Problem-Solving

Certifications & Qualifications

• Courses in Consumer Credit Analysis
• Courses in Credit Risk
• Courses in Score Modeling
• Courses in Consórcio Fundamentals

Industry Keywords

• Consórcio
• Consumer Credit
• Approval Rate
• Delinquency
• Conversion
• Credit Bureaus
• Approval Flows
• Credit Workflows

Tools & Technologies

• Power BI
• SQL
• Decision Engines
• Credit Workflows
• Data Analysis Tools