#### **About the role:** We are seeking a Pricing professional to strategically define and monitor the pricing of financial products, with a focus on retail credit. This position will play a key role in analyzing portfolio profitability, risk, and performance, supporting business decisions through data, financial models, and market analysis—always aligned with regulatory guidelines and the company’s commercial strategy. #### **Key responsibilities:** * Develop, review, and maintain pricing models for loan interest rates, commissions, and spreads for retail customers. * Analyze the financial results of credit operations, considering: Applied interest rates; Funding costs; Commissions paid to partners and distribution channels; Delinquency, expected and actual losses; Spread and profitability per product, channel, and customer profile. * Monitor credit portfolio performance, identifying profitability deviations and proposing price adjustments. * Continuously assess the risk–return trade-off, suggesting improvements to pricing policies and commercial terms. * Track financial and risk indicators such as ROE, margin, NPL, expected loss, and break\-even. * Prepare management reports, financial analyses, and executive presentations to support decision-making. * Conduct sensitivity analyses and scenario simulations (e.g., interest rate, delinquency, and commission variations). * Ensure pricing remains aligned with market conditions, competition, and applicable regulations. * Analyze market data, competitor activity, costs, and customer behavior. * Collaborate closely with Risk, Credit, Commercial, and Operations teams to ensure alignment between pricing strategy and execution. * Support the Commercial team in defining and understanding current financial terms. * Assist the Operations team in verifying product financial eligibility. #### **Mandatory requirements:** * Solid experience in pricing financial products, preferably in: Payroll-deductible loans; Personal loans; Insurance. * Strong analytical ability, with emphasis on profitability, risk, and decision-making. * Bachelor’s degree in Mathematics, Statistics, Economics, Finance, Engineering, Data Science, or related fields. * Advanced Excel skills, including financial modeling and pivot tables (VBA is desirable). * Experience in data analysis, financial model development, and executive presentation creation. * Ability to interact and communicate effectively with senior stakeholders and executives. #### **Preferred qualifications (differentiators):** * Practical knowledge of SAS, SQL, Python, Power BI, or other BI tools. * Experience with expected credit loss models (ECL / IFRS 9), regulatory capital, and funding structure. * Familiarity with the Brazilian regulatory environment (BACEN, SUSEP, public and private payroll-deductible lending). * Experience working in fintechs, banks, insurance companies, or insurtechs. * Experience in portfolio management and financial accounting. If you seek a dynamic environment, real opportunities for growth, and the chance to make a difference, **this is your place!** Join us in building the future!