Job Summary: Senior Analyst role for Credit Risk Monitoring at Sicredi, focused on portfolio analysis, executive diagnostics, and support for AI initiatives. Key Highlights: 1. Centralized Credit Risk Monitoring operations 2. Focus on portfolio quality and performance analysis 3. Structural support for Artificial Intelligence (AI) initiatives We are seeking a Senior Analyst to strengthen Sicredi Cooperative Bank’s centralized Credit Risk Monitoring area, which supports credit management across a system comprising over 100 cooperatives. Our team operates within the risk provisioning axis (IFRS 9 / CMN Resolution 4\.966\), delivering diagnostics, executive insights, recommendations, and governance materials (committees and executive board), as well as scalable tools for the network (dashboards, structured analyses, breakdowns by cooperative/central/segment). This position will be responsible for enhancing the depth and speed of portfolio quality and performance analyses (including risk and profitability segmentation), supporting business decisions (origination, pricing, collections/restructuring) and advancing our communication and explainability mechanisms. Beyond routine monitoring and studies, the professional will provide structural support to a cross-functional initiative applying Artificial Intelligence (AI) to scale and standardize explanations for cooperatives (e.g., “what changed in provisioning, why, where, and what actions can mitigate it”). We do not seek an “AI specialist”, but rather someone with practical maturity in using AI tools daily—capable of transforming analyses and rules into consistent, traceable, and actionable outputs. **Responsibilities and Duties** * Conduct recurring portfolio quality analyses (daily/monthly), identifying trends, outliers, drivers, and emerging risks by segment/central/cooperative; * Produce executive diagnostics and governance materials (committees, executive board, reports), clearly linking risk, provisioning, and results; * Design action-oriented studies and hypotheses (origination, pricing, collections, restructuring), prioritizing segments with highest materiality and impact; * Enhance indicators, metrics, and dashboards (in partnership with BI), ensuring consistency and traceability for the area; * Investigate root causes of indicator deterioration (e.g., short-term delinquency, migration, restructuring, risk mix), proposing guidance and tracking impacts; * Support projection/stress testing and sensitivity analyses when required, connecting actual performance readings with forward-looking scenarios; * Serve as technical and methodological reference for portfolio analysis, supporting peers in standardizing routines and improving output quality; * Actively contribute to the AI initiative by helping: map priority questions; translate rules and analyses into consistent responses; define official data sources; test outputs; and identify interpretation risks; * Apply AI tools daily to boost productivity (summarization, structuring, drafting, hypothesis exploration), while maintaining human governance and validation of outputs; * Collaborate with partner areas (modeling, credit, products, finance, centrals/cooperatives) to align assumptions, validate interpretations, and co-develop solutions. **Requirements and Qualifications** **Mandatory Requirements:** * Completed undergraduate degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Data Science, or related fields; * Solid senior-level experience in credit portfolio/risk analysis (portfolio quality, default, migration, provisioning, segmentation); * Proven ability to translate complex analyses into executive messages, with strong writing and presentation skills; * Proficiency in analytical tools (minimum: Advanced Excel + SQL and/or Python/R for exploration/automation); * Governance mindset for data: traceability, consistency, documentation, and version control; * Practical experience using AI tools at work (e.g., Copilot/ChatGPT or equivalents) to increase productivity, with awareness of limitations and need for human validation. **Desirable Requirements** * Familiarity with IFRS 9 / ECL and/or CMN Resolution 4\.966 (staging, provisioning drivers, PD/LGD/EAD, overlays); * Experience with Power BI (modeling, DAX, dashboard governance) and “semantic layer” routines/official definitions; * Experience in cross-functional projects (product/analytics/automation), including backlog management, prioritization, and interaction with multiple stakeholders; * Experience designing risk-adjusted profitability metrics (post-PDD margin, cost of risk, RAROC) and using such metrics to guide decisions; * Understanding of LLMs and applied AI (prompting, response evaluation, source management, hallucination risks, controls) and/or participation in AI automation initiatives; * Experience in financial institutions/cooperative banks or risk consulting, with engagement across business units. **Valued Differentiators** * Certifications: FRM, CFA (Level I/II); * Advanced English (technical documentation, interaction with consultancies/multilateral institutions). **Additional Information** At **Sicredi**, you’ll enjoy: 14th and 15th fixed salaries; Profit Sharing (2 to 5 salaries, depending on seniority); Health benefits: Health and Dental Plans without copay (only age-tiered monthly fee), life insurance, nutrition and psychological support allowances; Meal and Food Allowances – flexible % allocation across VA/VR cards, no copay; Extended maternity and paternity leave; Childcare or babysitter allowance for children up to 6 years and 11 months; Private pension plan covering up to 6% of salary; Training Platform – Sicredi Aprende, offering diverse courses; 40-hour weekly workload – using a time-banking system; Home Office Allowance (for hybrid or remote positions); **Nice to meet you—we are Sicredi.** Our journey began over 120 years ago as Brazil’s first cooperative financial institution. Today, we continue growing and transforming daily alongside **over 50,000 colleagues**. They make us the **Best Place to Work**, once again ranked #1 by Great Place To Work Brazil (GPTW). Together with **over 9 million members**, across all Brazilian states, we believe in the power of cooperation to **build a more prosperous society and generate positive impact in people’s lives**—a purpose that unites and inspires us, promoting local and sustainable development, education, and financial inclusion. We continue seeking talents who wish to help build a better world—and we want you on board. **\#JoinSicredi!**
João Silva
Indeed · HR
João Silva
Indeed · HR
