FINANCIAL ANALYST II

Description

Job Summary: Professional to work on maintaining and creating credit policies, implementing projects, conducting studies and monitoring systemic credit flows, performing credit analysis and managing customer portfolios. Key Highlights: 1. Extensive experience in credit analysis within the Telecom sector 2. Customer portfolio management, monitoring risk exposure 3. Participation in and implementation of credit projects ### **Responsibilities** * Maintain and create credit policies in the credit engine; (CRIVO) * Participate in and implement credit projects; (improvements and/or new requirements) * Conduct credit studies to support modifications to credit policies; * Monitor systemic credit flows to mitigate issues and ensure SLA compliance; * Escalate incidents to IT departments and vendors; * Engage with and support vendors during version updates, routine/process maintenance; * Perform credit analysis for rejected/derived orders/quotations escalated to the credit desk per credit policy; (ALGAR CRM worklist) * Validate and perform credit analysis with recommendations for approval requests requiring hierarchical authorization; * Perform credit analysis for high-risk customers and products (e.g., SMS Solution, Equipment Leasing, Judicial Recovery, etc.); * Address store prioritization requests; (in-store sales with customers) * Support credit analyses during sales closing periods; (decadal periods) * Manage customer portfolio, monitoring risk exposure and early warning signs of credit deterioration; * Operate in compliance with internal policies, audits, and regulatory requirements; ### **Education** Bachelor’s degree in Business Administration, Economics, Accounting, Information Systems, Computer Science, Engineering, or related fields. ### **Behavioral Competencies** * Critical and strategic mindset: assess risks considering business impact; * Decision-making ability: confidence in recommending complex approvals/rejections; * Influence and persuasion: ability to guide managers and negotiate with internal departments; * Technical leadership and mentoring: coaching and supporting other analysts in the area; * Conflict management: balanced relationships with client departments; * Autonomy: conduct analyses and implement process improvements without constant supervision; * Proactivity: identify opportunities to improve policies and processes; ### **Technical Competencies** * Expertise in credit analysis processes within the Telecom sector; * Analysis and interpretation of financial statements (Income Statement, Balance Sheet, Cash Flow Statement); * Knowledge of economic\-financial indicators (Liquidity, Leverage, Coverage, EBITDA, Margins, Operating Cycle); * Ability to structure and implement credit processes and policies; * Knowledge to configure and maintain credit policies; * Ability to conduct credit analysis studies/scenarios; * Ability to draft strategic credit opinions for senior management; * Advanced Excel proficiency; (financial formulas, pivot tables, etc.); * Knowledge of SQL, Python, Power BI, and ability to work with structured data; * Experience with credit analysis systems/tools: credit engines, approval workflows, and credit bureaus; (e.g., SERASA, SPC, BOA VISTA, CRIVO, INTERNAL DATABASES, etc.); * Proficiency in sales flow and credit analysis; (e.g., ALGAR CRM, CRIVO Reports, Reasons for Rejection, Policies, etc.); * Knowledge of credit scoring models, credit limits, market restrictions (outstanding financial obligations/protests), internal arrears, etc.; * Knowledge of major types of credit guarantees; ### **Required Experience** Extensive experience in credit analysis within the Telecom sector (corporate, SME, and retail); * Maintenance of configurations in credit tools; (credit workflow, credit engine, etc.); * Credit studies and definition of credit policies; ### **Position Overview** Support company operations by ensuring efficiency of credit systems, correct rule configuration, manual analysis when required, and prevention of losses due to fraud or delinquency. ### **Benefits** Transportation Allowance: Yes, Meal Voucher: Yes, Food Allowance: Yes, Medical Assistance: Yes, Dental Assistance: Yes, Life Insurance: Yes, Other Benefits: Dr Mais Saúde, Gympass, PsicologiaViva, among others ### **Working Hours:** MON/FRI 08:00 TO 18:00 (INT 120 MIN) \| 200H PER MONTH ### **Prerequisites** Reside in the city of Uberlândia