Financial Risk Specialist

CloudWalk, Inc.; United States; On-site; USD 140,000 - 210,000; Full time

Job summary

CloudWalk, Inc. seeks a seasoned risk analytics professional to design, implement, and maintain credit risk models aligned with IFRS 9 and local regulations.

You will work cross-functionally with Data Science, Finance, Compliance, and Fraud teams to ensure model governance, explainability, and auditability across the portfolio. You will develop ML/AI-based PD, LGD, and EAD models, monitor exposures from origination to recovery, run stress tests, and present insights to senior management and

Qualifications

• Solid understanding of BACEN credit risk regulations and related standards.
• Retail credit lifecycle experience from origination to recovery.
• Experience in payments industry including merchant, settlement, and receivables risk.
• Hands-on IFRS 9 ECL modeling (Stages 1-3) and provisioning methods.
• Proven track record in ML/AI credit risk model development and validation.
• Strong programming skills (Python, SQL, R, or SAS) for modeling and stress testing.
• Familiarity with ICAAP and capital adequacy processes.
• Knowledge of model governance, documentation, and audit requirements.
• Advanced English communication.

Responsibilities

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
• Monitor and manage retail credit exposures from origination to scoring and portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
• Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows.
• Collaborate with Credit Policy to define limits, strategies, and credit appetite aligned with RAS.
• Perform stress testing, scenario analysis, and backtesting for portfolio resilience.
• Coordinate with Data Science, Finance, Compliance, and Fraud teams to ensure explainability and auditability.
• Prepare and present insights and reports for senior management and regulators.

Skills

Python

SQL

R

SAS

IFRS 9

BACEN regulations

Advanced English

Job description

About CloudWalk

We are not just another fintech unicorn. We are a pack of dreamers, makers, and tech enthusiasts building the future of payments. With millions of customers and a hunger for innovation, we\'re now expanding our neural network - literally and metaphorically.

At CloudWalk, we\'re building the future of payments - and risk is at the heart of making that happen responsibly.

What You\'ll Do

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.


• Monitor and manage retail credit exposures from origination and underwriting to scoring and portfolio performance.


• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.


• Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows.


• Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company\'s RAS.


• Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience.


• Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability across models.


• Prepare and present insights and reports for senior management and regulators.

What You Need to Succeed

• Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020).


• Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collection, and recovery.


• Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk.


• Hands-on experience with IFRS 9 ECL modeling (Stages 1, 2, 3) and provisioning methodologies.


• Proven experience developing and validating ML/AI credit risk models.


• Strong programming skills (Python, SQL, R, or SAS) for modeling, validation, and stress testing.


• Familiarity with ICAAP and capital adequacy processes.


• Understanding of model governance, documentation, and audit requirements.


• Advanced English communication.

Nice to Have

• Analytical mindset: able to translate data into actionable insights.


• Hands-on and execution-driven; you get things done and iterate fast.


• Automation-first mindset: constantly improving processes with AI and tech.


• Excellent communicator and storyteller; you simplify complex ideas.


• Collaborative and curious, working seamlessly with Data Science, Risk, and Business teams.


• Detail-oriented with strong analytical accuracy.


• Proactive and adaptable in a fast-paced, high-growth environment.


• Strong ethical judgment and integrity in handling sensitive data.

The Future We See

• People teams leveraging AI to transform talent acquisition and employee development.


• Marketing professionals creating data-driven, AI-powered campaign strategies.


• Customer Success teams enhancing client experiences with intelligent solutions.


• Risk analysts combining human expertise with AI to navigate complexities.


• Designers collaborating with AI to push creative boundaries.

Join us at CloudWalk, where we\'re not just engineering solutions; we\'re building a smarter, AI-driven future for payments - together.

By applying for this position, your data will be processed as per CloudWalk\'s Privacy Policy that you can read here in Portuguese and here in English. We use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, assessing responses, and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.