Job Summary: A Risk and Credit Policy professional who actively participates in the financial product strategy, proposing improvements and overseeing the entire scope. Key Highlights: 1. Freedom to propose improvements and comprehensively manage risk 2. Focus on intelligence, controls, and statistical solutions for credit decision-making 3. An environment that encourages learning, growth, and diversity The Risk and Credit Policy area actively participates in the financial product strategy in partnership with Porto Seguro Bank’s business areas, supporting them with intelligence, controls, tools, and statistical solutions. We have the freedom to propose improvements—not limiting ourselves solely to risk management, but rather caring for the whole. **Responsibilities and Duties** * Develop, implement, and monitor Credit Policies and the statistical models used in the credit decision process; * Monitor, revisit, and propose improvements to existing processes and tools across the credit lifecycle; * Use data extensively to generate valuable insights supporting optimal decision-making; * Develop controls, MIS, and managerial dashboards for operational monitoring and decision-making; * Conduct experimental studies, develop, implement, and evaluate challenging initiatives against current policies/tools (champion vs. challenger); * Provide diagnostic analyses (growth, trends, behaviors) and prognostic analyses (best practices) for various internal customers; * Deliver knowledge, analyses, and statistical models supporting Credit, Customer Retention/Maintenance, Collections, Fraud, and other diverse financial areas and products; * A mindset of continuous improvement, curiosity, and proactivity; * Results-oriented profile; * Negotiation skills and strong interpersonal relationships; * Analytical mindset and high critical thinking ability; **Requirements and Qualifications** * Bachelor’s degree completed in Statistics, Mathematics, Economics, Physics, or Engineering; * Prior experience in financial institutions/banks, in areas such as: Credit Policy, Modeling, Pricing, Collections, Data Engineering, Data Science, Decision Science, or Risk; * Proficiency in programming languages (R, SQL, Python, or SAS preferred); * Advanced proficiency in Microsoft Office suite (Word, Excel, PowerPoint); * Experience with A/B testing; * Familiarity with the credit lifecycle; * Experience in data manipulation, including variable/indicator transformation and construction; **Additional Information** **BENEFITS** **Flexible Meal and Food Allowance;** **Health Insurance Plan;** **Dental Insurance Plan;** **Wellhub and TotalPass;** **Exclusive Bio Ritmo Gym for Employees:** located at the Head Office Complex; **Profit Sharing Program (PLR);** **Stock Ownership Program: Porto em Ação:** complementary to PLR until 2025; **Sand Volleyball and Multipurpose Courts:** located at the Head Office Complex; **Transportation Allowance;** **Shuttle Bus Services;** available at major access stations to Porto (Luz, Barra Funda, Santa Cecília, and Júlio Prestes); **Extended Parental Leave:** up to 40 days for all family configurations; **Extended Maternity Leave** of 6 months; **Medical Outpatient Clinic with Specialties:** located at the Head Office Complex and Barra Funda; **Childcare or Nanny Assistance;** **Life Insurance;** **Private Pension Plan – PortoPrev;** **Discounts on Products and Services;** **Tuition Reimbursement Program:** for undergraduate, postgraduate, or MBA studies; **Monthly Running Events:** subsidy for major street races in São Paulo; **Language Reimbursement (English or Spanish);** **Teatro Porto:** exclusive screenings for employees; **Library;** **Rest Room:** located at the Head Office Complex; **Game Room:** located at the Head Office Complex; **Massage and Podiatry Services:** located at the Head Office Complex; **Work Location:** On-site (We operate hybrid work models, which will be discussed during the selection process); Porto is much more than an insurance company: it is a vast ecosystem leveraging technology to create solutions through four business verticals: **Porto Bank, Porto Saúde, Porto Seguro, and Porto Serviço**. The reputation and recognition earned over more than 7 decades reinforce Porto’s scale — a reference company in business, built by and for people. Here, 13,000 employees proudly belong to a solid, ethical organization that transforms dreams into fantastic realities for our 15.8 million+ customers. We operate through over 101 branches and regional offices across Brazil. Learning is part of our DNA, and here you’ll find **incentives, tools, and supportive colleagues to learn and grow every day**, in an inclusive and safe environment where everyone can truly be themselves and take pride in who they are — fostering respect and enabling holistic, well-being-centered living within a genuinely human company. **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe that a plural team is essential to developing our entire business, society, and each individual — recognizing that every person is unique in building a more innovative and inclusive environment. Together, we work daily to build a safe, free, and welcoming space characterized by greater plurality and respect. Therefore, we **strongly encourage applications from women, Black and Indigenous individuals, people with disabilities, and LGBTQIA+ individuals** for all our open positions.