Senior Credit Analyst (São Paulo - SP)

Description

Job Summary: The Credit Policy Analyst will develop and enhance credit policies, leveraging data and technology to optimize risk and return, with a focus on delivering value to customers. Key Highlights: 1. Focus on credit transformation and innovation 2. Use of data and technology to optimize policies 3. Influence strategy with data-driven insights As a Credit Policy Analyst, you will play a pivotal role in advancing our credit transformation journey. Your focus will be on developing and enhancing our credit policies to achieve the optimal balance between risk and return, making extensive use of available data and technologies, always centered on delivering value to our customers. You will be responsible for proposing and developing new policies, as well as generating and monitoring key performance indicators that support decision-making, influencing our strategy with insights derived from data, and ensuring customer delight by aligning credit decisions with other stakeholders responsible for our customers’ journeys. **Responsibilities and Duties** * Define credit policies for credit limit increases. * Enhance risk discrimination models. * Conduct portfolio and market studies. **Requirements and Qualifications** **Education:** Completed undergraduate degree. **Technology:** Excel, PowerPoint, and SQL. **Technical Competencies:** * Mathematical models. * Credit analysis. * Presentation development. **Additional Information** Benefits: * Meal Allowance * Transportation Allowance * Food Allowance * Childcare Assistance * Medical Assistance * Dental Assistance * Life Insurance * Private Pension * Gym and Totalpass partnership * University partnership (Drogasil and Droga Raia) * Visits, reservations, and accommodation at Itaú Unibanco Club (Guarapiranga, Itanhaém, and São Sebastião) * Benefits and discounts at various partner stores and services across Brazil and Latin America * Fique OK Program * Corporate University * Discounts on financial products and services We are continuously transforming—and we hope you’ll help us on this journey! \#vemproItaú Itaú will use the information provided for recruitment purposes, including placement in job databases hosted on third-party platforms. If you wish to object to this use or exercise any of your rights, please contact us through the channels available in Itaú Unibanco’s Candidate Privacy Policy ( https://www.itau.com.br/privacidade/candidatos/). Acceptance is not required—this is merely for your awareness. We are the **largest private bank in Brazil** by market value and the **most valuable brand in Brazil**, valued at **R$ 46.9 billion**, according to the Interbrand 2024 ranking. We are also the company that most **develops careers in Brazil**, per LinkedIn Top Companies for seven consecutive years, and have received the award for **Best Internship Programs 2024** from CIEE. With the broadest product portfolio in the sector nationwide and through our brands and commercial partnerships, we offer a wide range of career opportunities across diverse areas of specialization—all driven by a powerful purpose: **delighting our customers by delivering exactly what they need, precisely when they need it!** Today, we have a team of over 90,000 employees (the “itubers”) spread across Brazil and abroad, operating in 18 countries.