Mid-level Credit Risk Analyst

Jobtailor; São Paulo; Presencial; BRL 60 000 - 90 000; Tempo integral

Resumo da oferta

Jobtailor is seeking a Credit Policy & Risk Analyst to develop and monitor credit policies, analyze approval rules, and oversee risk indicators across the portfolio.

You will work with Risk, Sales, Operations and IT to implement strategies, improve workflows, and ensure compliance with LGPD and financial regulations. English basics required; travel willingness.

Qualificações

• Bachelor's degree in business, economics, accounting or related field.
• Experience in credit analysis, risk or policy.
• Experience with credit origination processes (financing, CDC, leasing or consumer credit).
• Knowledge of risk indicators: approval rates, delinquency, PD, fraud, portfolio performance.
• Experience with decision engines, credit rules or workflows.
• Basic knowledge of LGPD and Bacen compliance.
• Data analysis, reporting and deriving insights.
• Advanced Excel and Microsoft Office skills.
• Basic English and willingness to travel.

Responsabilidades

• Develop, review and monitor credit policies.
• Analyze credit approval rules.
• Monitor risk, approval, delinquency, fraud and portfolio performance indicators.
• Analyze data and propose improvements to policies, rules, workflows and processes.
• Support implementation of strategies in systems, pipelines and decision engines.
• Identify opportunities to increase approvals while maintaining risk controls.
• Collaborate with Risk, Sales, Operations and IT teams.
• Participate in continuous improvement, automation and credit process evolution projects.
• Support compliance with regulatory requirements and internal policies.

Conhecimentos

Credit Analysis

Credit Risk Management

Data Analysis

Decision Engines

Regulatory Compliance

Formação académica

Bachelor's degree in Business Administration, Economics, Accounting or related fields

Ferramentas

Power BI

Tableau

Decision Engines

Descrição da oferta de emprego

Responsibilities

• Develop, review and monitor credit policies.
• Analyze credit approval rules.
• Monitor risk, approval, delinquency, fraud and portfolio performance indicators.
• Analyze data and propose improvements to credit policies, rules, workflows and processes.
• Support the implementation of strategies in systems, pipelines and decision engines.
• Identify opportunities to increase approvals while maintaining risk controls.
• Collaborate with Risk, Sales, Operations and IT teams.
• Participate in continuous improvement, automation and credit process evolution projects.
• Support compliance with regulatory requirements and internal policies.

Requirements

• Bachelor's degree in Business Administration, Economics, Accounting or related fields.
• Previous experience in credit analysis, credit risk or credit policy.
• Experience with credit origination processes, preferably in financing, consumer financing (CDC), leasing or consumer credit.
• Knowledge of risk indicators such as approval rates, delinquency/default, PD (Probability of Default), fraud and portfolio performance.
• Experience with decision engines, credit rules or approval workflows.
• Basic knowledge of LGPD (Brazilian Data Protection Law), Bacen (Central Bank of Brazil) and compliance in the financial sector.
• Experience with data analysis, report building and generating insights.
• Advanced knowledge of Excel and Microsoft Office.
• Basic knowledge of Power BI, Tableau or similar tools.
• Willingness to travel.
• Basic English.

Core Competencies

Demonstrates expertise in credit analysis, risk management, and policy development, with a strong focus on compliance and data-driven decision-making. Proficient in utilizing analytical tools to enhance credit processes and workflows while collaborating effectively across teams.

Highest-signal resume keywords

• Credit Analysis
• Credit Risk Management
• Data Analysis
• Decision Engines
• Regulatory Compliance

Hard Skills

• Credit Policy Development
• Credit Approval Rules Analysis
• Risk Indicator Monitoring
• Portfolio Performance Analysis
• Credit Origination Processes
• Report Building
• Generating Insights
• Excel
• Microsoft Office
• Basic English

Soft Skills

• Collaboration
• Continuous Improvement
• Problem Solving

Industry Keywords

• LGPD
• Bacen
• Consumer Financing
• Leasing
• Financial Sector Compliance

Tools & Technologies

• Power BI
• Tableau
• Decision Engines