Senior BI Analyst

Jobtailor; São Paulo; Presencial; BRL 120 000 - 190 000; Tempo integral

Resumo da oferta

Jobtailor in São Paulo is seeking an experienced Credit Risk Analyst to monitor models, define KPIs and oversee risk metrics. You will maintain policies, support underwriting criteria and coordinate with Audit, Compliance and Finance teams.

The role requires strong SQL, Excel and BI tool experience, plus ability to translate analyses into strategic actions. Regulatory knowledge and automation experience are a plus.

Qualificações

• Bachelor's degree in Business Administration, Economics, Engineering, Statistics, Finance, Data Science, Information Systems or related fields.
• Solid experience in credit, risk, business strategy or portfolio management, with hands-on experience in credit and risk indicators (delinquency, PDD, PD, LGD, EAD, margin, profitability).
• Experience preparing strategic analyses and scenario studies.
• Proficiency in SQL and advanced Excel for querying, merging and processing datasets.
• Experience with BI/data visualization tools (Power BI, Tableau, Qlik or similar) and knowledge of data modeling and metrics.
• Strong analytical skills, integrated risk-return perspective, organization, attention to detail and critical risk judgment.
• Experience with Python, R or other programming languages for automation and data analysis (plus).
• Familiarity with the credit regulatory framework (Brazilian Central Bank - Bacen, IFRS 9, AML/CFT) and experience producing regulatory documentation (plus).
• Ability to structure executive presentations and translate complex analyses into strategic messages (plus).

Responsabilidades

• Monitor model performance using indicators, backtesting and stability analyses.
• Design and maintain dashboards and management reports that support policies and risk monitoring, helping define KPIs and credit performance metrics.
• Ensure data quality, integrity and consistency by consolidating information from multiple sources and automating report and database update routines.
• Develop, review and maintain Credit Policies, internal regulations and underwriting criteria, supporting the definition of decision authorities, exceptions and risk mitigants.
• Develop, review and monitor credit risk models (PD, LGD, EAD, Score, Rating, IFRS 9) ensuring alignment between policies and quantitative results.
• Conduct studies, diagnostics and simulations (what-if, stress, sensitivity) and evaluate impact of scenarios on policies and models.
• Perform exploratory and diagnostic analyses to identify trends, deviations and opportunities, translating data into actionable insights.
• Propose segment-, product- or customer-profile-specific strategies and support business prioritization.
• Serve as a technical reference for Credit, Risk, Finance, Commercial, Compliance and Audit teams.
• Prepare and present executive materials and support credit committees with analyses and recommendations.
• Contribute to audits and regulatory requests related to credit.
• Support automation, data usage and continuous process improvement initiatives.

Conhecimentos

Strong analytical skills

Attention to detail

Risk judgment

Data-driven decision making

Formação académica

Bachelor's degree in Business Administration, Economics, Engineering, Statistics, Finance, Data Science, Information Systems or related fields

Ferramentas

SQL

Excel

Power BI

Tableau

Qlik

Python

Descrição da oferta de emprego

Responsibilities

• Monitor model performance using indicators, backtesting and stability analyses;
• Design and maintain dashboards and management reports that support policies and risk monitoring, helping define KPIs and credit performance metrics;
• Ensure data quality, integrity and consistency by consolidating information from multiple sources and automating report and database update routines;
• Develop, review and maintain Credit Policies, internal regulations and underwriting criteria, supporting the definition of decision authorities, exceptions and risk mitigants;
• Develop, review and monitor credit risk models (PD, LGD, EAD, Score, Rating, Allowance for Doubtful Accounts (PDD)/IFRS 9), ensuring alignment between policies and quantitative results;
• Conduct studies, diagnostics and simulations (what-if, stress, sensitivity) and evaluate the impact of economic, sectoral and regulatory scenarios on policies and models;
• Perform exploratory and diagnostic analyses to identify trends, deviations and opportunities, translating data into clear, actionable insights;
• Propose segment-, product- or customer-profile-specific strategies (individual and/or corporate) and support the review of direction and business prioritization;
• Serve as a technical reference for Credit, Risk, Finance, Commercial, Compliance and Audit teams;
• Prepare and present executive materials and support credit committees and internal forums with analyses, opinions and recommendations;
• Contribute to internal and external audits and regulatory requests related to credit;
• Support automation, data usage and continuous process improvement initiatives.

Requirements

• Bachelor's degree in Business Administration, Economics, Engineering, Statistics, Finance, Data Science, Information Systems or related fields;
• Solid experience in credit, risk, business strategy or portfolio management, with hands-on experience in credit and risk indicators (delinquency, PDD, PD, LGD, EAD, margin, profitability);
• Experience preparing strategic analyses and scenario studies;
• Proficiency in SQL and advanced Excel for querying, merging and processing datasets;
• Experience with BI/data visualization tools (Power BI, Tableau, Qlik or similar) and knowledge of data modeling and metrics;
• Strong analytical skills, integrated risk-return perspective, organization, attention to detail and critical risk judgment;
• Experience with Python, R or other programming languages for automation and data analysis (plus);
• Familiarity with the credit regulatory framework (Brazilian Central Bank - Bacen, IFRS 9, AML/CFT) and experience producing regulatory documentation (plus);
• Ability to structure executive presentations and translate complex analyses into strategic messages (plus).