Job Summary: Professional to enhance credit portfolio analysis, transforming data into actionable and strategic insights. Key Highlights: 1. Collaborative credit analysis with a customer-centric focus. 2. Challenge of anticipating trends and delinquency risks. 3. Culture that encourages entrepreneurship and knowledge-seeking. **About Us** We are proudly Brazilian and popular, always digital and present in person when 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 empowers 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 solves their pain points by 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 offering 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 being 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, constantly seek knowledge, prefer direct, no-nonsense communication, and want to be surrounded by like-minded people, 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 growth is structured, sustainable, solid, precise, and responsible. 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 team’s approach from reactive to predictive analysis, anticipating behavioral trends and delinquency risks. * Conduct periodic and ad-hoc studies and analyses on credit product performance, connecting data, risk, and business insights. * Translate large volumes of data into actionable insights that support strategic decisions and maximize portfolio returns. * Collaborate closely with partner areas, maintaining a customer-centric focus, 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 metrics: 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, curious, detail-oriented profile with the ability to bridge technical expertise and business understanding. **Preferred Qualifications** * Prior experience in the financial sector (banks, finance companies, card issuers, or similar). * Experience in credit portfolio, risk, or performance analysis. * Ability to operate consultatively—proposing improvements, challenging assumptions, and suggesting strategic alternatives. * Experience in data-driven environments and data-informed decision-making. #### **Benefits and Perks** * Health and Well-being: health insurance, dental plan, free telepsychology and telemedicine, 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), governed by annual rules; * Commuter allowance; * Round-trip shuttle service to Campinas and surrounding areas (up to 50 km radius). Seats are reservable subject to seat and route availability. Free parking available for those driving; * Birthday day off; * Cashback on Credit Card: 1% *cashback* on total monthly statement value, credited to the following month’s statement; * Remunerated Account: automatically invested CDB yielding 100% of CDI; * Exemption from Digital Communication Fees; * Worker’s Credit: preferential rates and terms. Available for application after 6 months of employment; * FGTS Birthday Withdrawal Advance; * Dr. Pet: option to enroll pets in a health plan with up to 20% discount. Hiring Company: **Agibank** **“Tô de Dono” Program** “Tô de Dono” is more than a long-term incentive program—it’s recognition of those who live our culture daily. Each year, the Program welcomes new participants: employees who become business owners and benefit from Agibank’s appreciation every time the company grows. Thus, those who are part of this story dive headfirst into challenges to deliver outstanding results. This is how we authentically build an ownership culture. **Here, the formula is simple: you grow. Agibank grows with you.** **Learn more about our day-to-day on** **LinkedIn** **and** **YouTube****.** **Check our reviews on** **Glassdoor.**