Senior Credit Analyst

Cashera, LLC; São Paulo; On-site; BRL 180,000 - 280,000; Full time

Job summary

Cashera is seeking a highly analytical Senior Credit Risk Analyst to independently drive credit decisioning—approvals, declines, line assignment, and pricing—using data and SQL. The role sits at the intersection of underwriting judgment and quantitative analysis for a direct SMB lender.

You will develop robust risk strategies, monitor portfolios, and present data-driven recommendations to leadership, helping Cashera scale its fintech lending platform while maintaining prudent risk controls.

Qualifications

• 3+ years of experience in Credit Risk, SMB lending, fintech underwriting.
• Advanced SQL skills to independently write and run complex queries.
• Experience with LOC portfolio management and direct lending to SMB clients.
• Proven analytics experience in risk or data analysis with finance/lending background preferred.
• Strong understanding of credit risk evaluation and independent lending decisions.
• Data-driven mindset with ability to derive insights shaping approval, pricing, and line strategy.
• Excellent communication skills, written and verbal, to inform decisions.

Responsibilities

• Run and develop SQL queries to support approval/decline decisions, line assignment, and pricing.
• Evaluate repayment capacity, industry trends, and risk exposure to inform decisions.
• Manage and monitor portfolios, including credit limit reviews, renewals, and risk mitigation.
• Conduct periodic account reviews and recommend line increases, decreases, or modifications.
• Identify potential fraud, inconsistencies, and early warning signs of deterioration.
• Provide insights from data to influence underwriting, pricing, and collections.
• Present complex credit recommendations and rationale to senior management.
• Help refine underwriting policies, risk models, and pricing frameworks as Cashera scales.

Skills

Advanced SQL

Python

PySpark

Education

Advanced degree

Tools

SQL

PySpark

Job description

About Cashera

Cashera is a rapidly growing fintech and alternative lending company specializing in working capital solutions for small and medium-sized businesses. We provide flexible funding products, including merchant cash advances and lines of credit, helping businesses access capital quickly and efficiently.

We are seeking a highly analytical Senior Credit Risk Analyst who can independently drive credit decisioning — approvals, declines, line assignment, and pricing strategy using data and SQL. This role sits at the intersection of underwriting judgment and quantitative analysis, supporting a direct lender serving small and medium-sized businesses (SMB/SME).

Key Responsibilities

• Independently run and develop SQL queries to support approval/decline decisions, credit line assignment, and pricing strategy across the portfolio.
• Evaluate business performance, repayment capacity, industry trends, and risk exposure to make informed credit decisions within established risk parameters.
• Manage and monitor existing portfolios, including credit limit reviews, utilization trends, renewals, and risk mitigation strategies.
• Conduct periodic account reviews and recommend line increases, decreases, or modifications based on data-driven analysis.
• Identify potential fraud, inconsistencies, and early warning signs of credit deterioration.
• Provide meaningful insights from data to influence decision-makers and drive improvements across underwriting, pricing, and collections.
• Present complex credit recommendations, data findings, and rationale to senior management.
• Help refine underwriting policies, risk models, pricing frameworks, and credit processes as the company scales.

Required Qualifications

• 3+ years of experience in Credit Risk, Commercial Credit Analysis, SMB Lending, Alternative Finance, or Fintech Underwriting.
• Advanced SQL skills — you must be able to independently write and run complex queries to extract, analyze, and act on portfolio and application data.
• Experience with account management for LOC products and/or underwriting for a direct lending organization serving SMB clients.
• Proven analytics experience working as a risk or data analyst. Prior experience in the finance or lending industry preferred.
• Strong understanding of credit risk evaluation, with experience making independent lending decisions within established authority levels.
• You are data-driven, eager to understand the numbers and provide meaningful insights that shape approval, pricing, and line assignment strategy.
• Excellent analytical, decision-making, and communication skills — both written and verbal.
• Ability to thrive in a fast-paced fintech environment where competing priorities and "test and learn" iterations are the norm.

Preferred Qualifications

• Knowledge of SQL or Python or PySpark.
• Candidates with an advanced degree may also be considered based on the depth and relevance of their experience.
• Experience with pricing strategy, factor rate modeling, or risk-based pricing in a lending context."