Senior Credit Policy Analyst

Description

Job Summary: A Risk and Credit Policy professional who actively contributes to the financial product strategy by developing, implementing, and monitoring policies and statistical models. Key Highlights: 1. Freedom to propose improvements and take holistic responsibility for risk management. 2. Use of data to generate valuable insights for decision-making. 3. A learning and growth environment focused on well-being and diversity. The **Risk and Credit Policy** area actively participates in the financial product strategy in partnership with Porto Seguro Bank’s business units, supporting them with intelligence, controls, tools, and statistical solutions. We have the freedom to propose improvements—we are not limited to risk management alone but instead take holistic responsibility. **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 deliver valuable insights that support better decision-making; * Develop controls, MIS, and managerial dashboards for operational monitoring and decision-making; * Conduct experimental studies and 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 clients; * Deliver knowledge, analyses, and statistical models to support Credit, Customer Retention/Maintenance, Collections, Fraud, and other diverse financial areas and products. **Requirements and Qualifications** * Prior experience in financial institutions/banks, in areas such as: Modeling, Credit Policy, Collections, Data Engineering, Data Science, Decision Science, or Risk; * Completed undergraduate degree in Statistics, Mathematics, Economics, Physics, or Engineering; * Proficiency in programming languages (with emphasis on R, SQL, Python, or SAS); * Knowledge of data manipulation techniques aimed at 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;** **Van Transportation 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: Reimbursement for undergraduate, postgraduate, or MBA programs;** **Monthly Running Events:** subsidy for major street races in São Paulo; **Language Reimbursement (English or Spanish);** **Teatro Porto:** exclusive sessions for employees; **Library;** **Rest Room:** at the Head Office Complex; **Game Room:** at the Head Office Complex; **Massage and Podiatry Services:** 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**. Its reputation and recognition built over more than seven decades underscore Porto’s scale—a business reference company built by and for people. Here, 13,000 employees proudly wear their hearts on their sleeves—**proud to be part of 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 embedded in our DNA, and here you’ll find **incentives, tools, and supportive colleagues to learn and grow every day**, in an inclusive and secure environment where everyone can truly be themselves and take pride in who they are—promoting respect and **living fully and healthily within a genuinely human company.** **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe that a plural team is essential for the development of our entire business, society, and each individual—because we understand 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 with greater plurality and respect. Therefore, we **strongly encourage applications from women, Black and Indigenous people, people with disabilities, and LGBTQIA+ individuals** for all our job openings.