Analista de Crédito Pleno

Job description

Accountabilities: Analyze credit portfolio performance using business, risk, and profitability indicators to identify trends, opportunities, and potential risks. Develop ad hoc quantitative studies and analyses to support strategic business and credit decisions. Propose, implement, monitor, and continuously improve credit policies and related strategies. Identify opportunities to automate analytical processes and increase operational efficiency. Transform complex datasets and analytical findings into clear, actionable recommendations for business stakeholders. Monitor portfolio performance and investigate relevant changes or anomalies, supporting proactive decision-making. Contribute to initiatives focused on sustainable portfolio growth, risk management, and continuous improvement. Collaborate with multidisciplinary teams and stakeholders to ensure analytical insights are effectively incorporated into business decisions. Requirements Bachelor’s degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Computer Science, or a related field. Previous experience in financial analysis, accounting, credit analysis, or a closely related analytical role. Advanced proficiency in SQL for data extraction, querying, and manipulation. Advanced Excel skills, including PivotTables, lookup functions, charts, and data analysis. Ability to interpret data and transform quantitative findings into practical business recommendations. Knowledge of descriptive statistics and fundamental quantitative analysis concepts. Strong analytical and critical-thinking skills, with an investigative and curious mindset. Proactive and autonomous approach, with strong organization and ability to manage competing priorities. Effective communication skills and the ability to collaborate with multidisciplinary teams. Results-oriented mindset and commitment to continuous improvement. Preferred qualifications: Experience with data visualization tools and dashboard development, particularly Power BI. Knowledge of Python, PySpark, and VBA. Experience with credit decision engines, credit policies, or financial institutions. Knowledge of corporate credit products, such as credit cards and working capital solutions. Familiarity with statistical techniques including regression, ROC/AUC, KS, and time-series analysis. Exposure to quantitative methods, causal inference, and model monitoring. Benefits Medical and dental insurance. Life insurance. Employee support program providing legal, social, psychological, and financial assistance. Wellhub membership and wellness support. Benefits card providing flexible allowances for meals, food, mobility, or telework, according to the employment arrangement. Extended maternity leave of up to 6 months. Extended paternity leave of 20 days. Pregnancy and return-to-work support program. Childcare assistance for eligible employees, including parents with unilateral or shared custody. Participation in a results-sharing program. Full-time, on-site work environment in São Paulo, Brazil. Opportunities for professional development within a technology and financial services environment. How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best! Why Apply Through Jobgether? Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time. #LI-CL1 This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for an Analista de Crédito Pleno based in Brazil. This is an opportunity to join a fast-growing financial services environment and play a key role in the development and evolution of credit policies for a corporate customer portfolio.You will combine quantitative analysis, business insight, and credit expertise to support sustainable portfolio growth.The role involves monitoring business, risk, and profitability indicators while identifying opportunities to improve credit performance.You will develop analytical studies that support strategic decision-making and help translate complex data into practical business recommendations.The position also offers exposure to credit policy management, automation, and efficiency initiatives across analytical processes.You will collaborate with multidisciplinary teams in a data-driven environment where autonomy, curiosity, and continuous improvement are highly valued.This is a strong opportunity for an analytical professional looking to deepen their expertise in corporate credit and quantitative decision-making.