**About Bradesco** Bradesco is one of Brazil’s largest financial groups, with a history marked by pioneering spirit and innovation. Through our broad and diversified portfolio of financial products, banking services, and insurance offerings, we contribute to individuals’ aspirations and to the sustainable growth of businesses and society. Join our financial ecosystem and impact the experience of millions of people! At Bradesco, we value diversity in all its forms. Therefore, our job openings are open to everyone, regardless of gender, race, sexual orientation, disability, age, or any other characteristic. Learn more at https://banco.bradesco/html/classic/sobre/index.shtm **Responsibilities and Duties** What is our Corporate Risk Management (CRM) team? Our mission is to protect and strengthen the Bank’s results by fostering integration among defense lines and acting proactively and collaboratively with the business, ensuring asset security and the trust of our customers, partners, and shareholders. Work model: Hybrid – 3 days onsite Unit: Osasco – SP **What will your day-to-day look like?** As a Risk Manager, you will work within the GER ESTRESSE management unit, and your main responsibilities will include: * Conducting systematic and continuous quantitative simulations and qualitative analyses—both under current and prospective scenarios—to measure, monitor, and mitigate financially and operationally material risks for the Organization. This process involves the integrated application of robust analytical methodologies, such as sensitivity analysis, stress testing, and scenario-based approaches, aiming to capture risk factors’ complexity and interdependence. The assessment includes identifying extreme events and adverse circumstances that could jeopardize the institution’s financial stability, focusing on measuring potential impacts on key performance indicators such as risk-adjusted return, regulatory and economic capital adequacy, and liquidity across different time horizons. Furthermore, the assessment process enables early detection of systemic risks—those with potential for large-scale propagation throughout the financial system—as well as idiosyncratic risks specific to the institution’s operational structure, asset portfolio, or exposure profile; * Performing ongoing maintenance and incremental development of the StressLab tool, which strengthens the Organization’s analytical capacity in integrated risk management and capital planning. Platform evolution includes incorporating advanced functionalities enabling execution of stress tests under multiple methodological approaches, allowing high-granularity simulation of adverse scenarios. The tool also supports evaluation of institutional risk appetite consumption under hypothetical and realistic scenarios. Moreover, StressLab facilitates comparative analysis of financial performance metrics against different corporate strategies and simulated market conditions, contributing to informed decision-making and definition of more resilient capital allocation strategies. The platform also automates generation of management reports—including dynamic visualizations and key indicators—facilitating communication of results to stakeholders; * Conducting specific scenario studies, combined with technical and strategic benchmarking, constitutes an essential practice for the Organization’s continuous risk improvement. These studies follow structured methodologies involving collection, analysis, and interpretation of market data—both domestic and international—with the objective of identifying patterns, emerging trends, and best practices adopted by peer institutions. This comparative analysis enables incorporation of numerical and conceptual references serving as calibration parameters for internal models, definition of projection assumptions, and cross-validation of simulation results. Adoption of technically grounded and referenced alternatives strengthens the Organization’s capacity to make informed decisions, anticipate vulnerabilities, and maintain a proactive stance toward financial environment dynamics. This integrated, evidence-based approach reinforces the institutional commitment to excellence in risk management, enhancing robustness of decision-making processes and contributing to the Organization’s long-term sustainability and competitiveness; * Conducting critical, methodologically structured reviews of currently employed idiosyncratic scenarios, coupled with proposing new configurations incorporating highly specific and complex variables, represents an essential step toward continuous risk management enhancement. Such an approach must be grounded in solid theoretical frameworks aligned with market best practices and current regulatory guidelines, supported by rigorous calculation rationale encompassing robust quantitative and qualitative modeling. Formulation of more refined scenarios aims to expand the Organization’s capacity to identify, measure, and monitor exposures—particularly those of nonlinear, emerging, or low-predictability nature. Strengthening the scenario architecture must consider interdependencies between internal and external factors, as well as systemic feedback effects that may amplify negative impacts. Finally, improving idiosyncratic scenarios directly contributes to strengthening the Bank’s responsiveness to disruptive events, ensuring greater decision-making agility, better capital allocation, and stronger adherence to business continuity principles; * Executing analytical exercises to determine the capital buffer, structured around three fundamental pillars: stress scenarios, projections of strategic acquisitions, and assessment of idiosyncratic risks. This process involves applying quantitative and qualitative methodologies to measure the Organization’s exposure to adverse events, considering both systemic and operation-specific variables. The outcome of this exercise supports the technical definition of capital reserves, aligned with risk appetite guidelines and prudential requirements set forth by regulatory authorities. The adopted approach ensures allocated capital is sufficient to absorb unexpected losses, promoting the Organization’s financial resilience against extreme events. Additionally, this process strengthens corporate governance by integrating risk management practices with strategic planning and regulatory compliance; * Coordinating the stress testing program; * Developing adverse and stress scenarios to assess the Organization’s financial resilience; * Challenging adverse and stress scenarios developed by specialist areas; Calculating the capital buffer; **Requirements and Qualifications** What do you need to have or know? * Bachelor’s degree in Economics, Accounting Sciences, Engineering, Business Administration, or related fields; * Experience in Risk, Finance, and/or Controlling within Financial Institutions; * Advanced knowledge of credit risk; * Intermediate knowledge of market risk; * Intermediate knowledge of regulatory capital; * Intermediate knowledge of accounting procedures; * Intermediate English proficiency; * Experience in financial markets and risk management; * Solid knowledge of economics, statistics, finance, financial products, and project development. It would be a plus if you have: * Postgraduate degree/MBA in Economics, Risk Management, Finance, Accounting, Controlling, or related fields; * Knowledge of process efficiency, innovation, and strategic planning. **What We Offer** At Bradesco, we value health and wellbeing, offering an extensive portfolio of benefits to all our employees: * PLR or Bonus: Subject to position eligibility* * Health Insurance * Dental Insurance * Life Insurance * Food Allowance * Meal Voucher * 13th Food Basket * Total Pass * Transportation Voucher (optional enrollment) * Discounts on products and services offered by partner companies * Private Pension Plan (optional enrollment, with financial contribution from Bradesco Organization) * Bradesco Well-Being Program: health, wellbeing, and quality-of-life initiative * Unibrad: Bradesco Corporate University * Fee Waivers: special conditions across various products and services * Daycare or Nanny Assistance * Extended Paternity Leave: 20 days * Maternity Leave: 180 days, including gestational support from pregnancy through postpartum