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Job Summary: Professional to drive the evolution of the credit portfolio area, transforming reactive analyses into predictive ones and generating actionable insights. Key Highlights: 1. Strategic involvement with predictive credit portfolio analysis. 2. Collaboration with partner departments focused on customers and results. 3. A strong culture that values entrepreneurial spirit and the pursuit of knowledge. **About Us** We are proudly Brazilian and popular, digital by nature and physical whenever our customers wish. We innovate to provide access to financial services and deliver an experience that empowers people to overcome today’s challenges. Our purpose is clear: **to fight for a banking experience that welcomes and encourages all Brazilians.** And we do this with availability, empathy, and agility. **Our Culture: The Agi Way** **Live for the Customer** Our primary asset is our customers. The company exists only if it successfully resolves their pain points, delivering products and experiences superior to alternatives available in the market. **Act Like an Entrepreneur** How many companies do you know that demand an owner’s mindset from their teams? Many, right? But how many actually enable people to truly be owners? And it’s not about granting this opportunity to just a few—it’s about making it possible for everyone. At Agibank, that’s exactly how it works: here, you act like an owner because you already are one—or because you dream of becoming the next. **Grow on the Journey** Our culture is strong. So, it only makes sense to become an entrepreneur here if you strongly identify with it. If you’re obsessed with results, dread the comfort zone, are perpetually seeking knowledge, prefer things said directly and concisely, and want to be surrounded by people who share these traits—you’ll thoroughly enjoy your journey here. **Work Model** On-site • Campinas/SP **Our Risk and Controller Team** We are growing—significantly—and these areas are fundamental to ensuring our structured and sustainable advancement, with solidity, precision, and responsibility. With deep technical rigor and strategic vision, they serve as pillars of the company’s financial governance. They are responsible for risk management, tax compliance, preparation of accounting and financial reports, execution of budget planning, and efficiency in procurement processes. More than support functions, they are catalysts for business expansion, ensuring every step is taken with control, intelligence, and long-term vision. #### **Your Challenges to Grow on the Journey** * Evolve the credit portfolio area’s approach from reactive to predictive analysis, anticipating behavioral trends and delinquency risks. * Conduct studies and periodic or ad-hoc analyses on credit product performance, connecting data, risk, and business insight. * Translate large volumes of data into actionable insights supporting strategic decisions and maximizing portfolio returns. * Collaborate closely with partner departments, maintaining focus on customers, a questioning mindset, and commitment to high-quality deliverables. **What You Need to Become an Agilizado?** --------------------------------------------------- **Requirements** * Solid experience in data extraction, manipulation, and analysis, with a focus on supporting business decision-making. * Practical knowledge of banking credit products (personal loans, payroll-deductible loans, credit cards) and their key indicators: delinquency, profitability, risk, and customer behavior. * Proficiency in: + SQL and/or Python + Power BI + Excel + PowerPoint * Bachelor’s degree in Engineering, Computer Science, Statistics, or Data Science. * Analytical profile, curious, detail-oriented, and capable of bridging technical expertise and business understanding. **Preferred Qualifications** * Prior experience in the financial sector (banks, finance companies, card issuers, or similar). * Experience with credit portfolio, risk, or performance analysis. * Ability to operate consultatively—proposing improvements, challenging scenarios, and suggesting strategic alternatives. * Experience in data-driven environments and data-informed decision-making. #### **Benefits and Perks** * Health and Well-being: health insurance, dental insurance, free telepsychology and telemedicine services, Totalpass, meal and food vouchers, life and funeral assistance insurance; * Parental Leave: childcare allowance, 6-month maternity leave, 20-day paternity leave, meal and food vouchers during leave; * Private pension plan; * Profit-Sharing Program (PPR), following annually established rules; * Commuter allowance; * Round-trip shuttle service to Campinas and surrounding areas (within a 50 km radius). Seats are reserved subject to seat and route availability. For those driving, we offer free parking; * Birthday day off; * Cashback on Credit Card: 1% *cashback* on the total credit card bill, credited to the following month’s statement; * Remunerated account: automatically invested CDB yielding 100% of CDI; * Exemption from Digital Communication Fees; * Worker’s Credit: differentiated rates and terms. Available for contracting after 6 months of employment; * FGTS Birthday Withdrawal Advance; * Dr. Pet: option to enroll pets in health insurance plans with up to 20% discount. Hiring Company: **Agibank** **“Tô de Dono” Program** The “Tô de Dono” program is more than a long-term incentive initiative—it’s recognition of those who live our culture daily. Each year, new participants join the program, becoming co-owners of the business and sharing in Agibank’s growth through equity appreciation whenever the company expands. Thus, those who are part of this story dive headfirst into challenges to deliver outstanding results. This is how we genuinely build an ownership culture. **Here, the formula is simple: you grow. Agibank grows with you.** **Learn more about our daily life on** **LinkedIn** **and** **YouTube****.** **Check our reviews on** **Glassdoor.**
