Sr. Credit Risk Analyst

Recargapay; United States; Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Salary competitive with market

Remote work - wherever you are, you're

Home office allowance through Recarga?

Health and dental plans with no co-pay

Life insurance

Flexible meal allowance

TotalPass membership

Job summary

RecargaPay is seeking a Senior Credit Risk Analyst to assess credit risk and guide lending decisions through rigorous data analysis of policies and portfolio performance. You will work autonomously to refine credit strategies and balance growth with sound risk management.

You will mentor junior analysts, develop analyses and reports on risk metrics, and partner with modeling, operations, and business teams to drive informed decisions.

Qualifications

• Bachelor’s degree in Economics, Statistics, Engineering, or related field.
• Solid experience in credit risk analysis.
• Strong analytical skills with SQL and spreadsheets.
• Knowledge of credit products, metrics, and regulation.

Responsibilities

• Analyze credit risk and support origination decisions.
• Monitor portfolio performance and recommend policy changes.
• Develop analyses and reporting on risk metrics.
• Partner with modeling, operations, and business teams.
• Mentor junior analysts and improve credit analytics.

Skills

Credit risk analysis

SQL proficiency

Analytical thinking

Cross-functional collaboration

Education

Bachelor’s degree in Economics, Statistics, Engineering, or related field

Tools

SQL

Excel

Job description

As a Senior Credit Risk Analyst, you will assess credit risk and shape lending decisions through rigorous analysis of data, policies, and portfolio performance. Working autonomously, you will refine credit strategies, monitor risk, and deliver insights that balance growth with sound risk management.

RESPONSIBILITIES

• Analyze credit risk and support origination decisions.
• Monitor portfolio performance and recommend policy changes.
• Develop analyses and reporting on risk metrics.
• Partner with modeling, operations, and business teams.
• Mentor junior analysts and improve credit analytics.

• Bachelor's degree in Economics, Statistics, Engineering, or related field.
• Solid experience in credit risk analysis.
• Strong analytical skills with SQL and spreadsheets.
• Knowledge of credit products, metrics, and regulation.

SOFT SKILLS

• Applies rigor to balance growth and risk.
• Communicates credit insights clearly.
• Takes ownership of risk monitoring.
• Collaborates across functions.

• Competitive and market-aligned salary.
• Remote work - wherever you are, you're part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
  

Diversity & Inclusion at RecargaPay

At RecargaPay, you'll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).