We are looking for talented and passionate people to join our team. Are you motivated by daily challenges? If so, join Mercantil! What we certainly don’t lack here are opportunities to experience new challenges and take ownership of your career—all within one of the Best Companies to Work for in Minas Gerais. By joining our company, you’ll have the opportunity to grow in a dynamic environment where your talent is recognized and encouraged. This combination becomes even more perfect if you have sparkle in your eyes, strong communication skills, proactivity, and—of course—a results-oriented mindset. Explore our job openings, find the opportunity that best matches your profile, and become part of a team that values your talent. Don’t miss the chance to transform your career and contribute to challenging and transformative projects. Grow with us! Liked it? Then check out the opportunity we have for you below! So, see below the opportunity we have here: **\#VEMSERMERCANTIL** **Responsibilities and duties** **Your main challenges will be:** * **Report Management**: Updating and validating monthly reports, identifying and commenting on significant deviations. * **Data Analysis**: Deep understanding of the institution’s data, policies, and processes for credit risk analysis in operations. * **Process Governance**: Ongoing maintenance and updating of the Activities Manual, ensuring process compliance and efficiency. * **Report and Study Development**: Creating strategic reports and ad hoc analyses for senior management and business units, focused on supporting credit risk decisions. * **Provision Projections**: Developing and monitoring provision expense projections based on expected loss models. **Requirements and qualifications** **We are looking for someone with:** * A completed undergraduate degree in Economics, Business Administration, Actuarial Science, Statistics, Production Engineering, or related fields. * Two years of experience in risk management at a financial institution or in credit policy analysis. * Understanding of credit business and provisioning practices at financial institutions, per Resolution No. 4966. * Advanced proficiency in Excel and PowerPoint. * Strong SQL skills and data analysis capabilities. * Experience in provision projection. **You’ll stand out if you have:** * Expertise in data analysis and dashboard creation using Power BI. * Experience working in banking or financial institutions. **Work Location:** Belo Horizonte/MG (Hybrid work); **Additional information** **What we offer our employees:** * Meal and food allowance (If preferred, you may receive both allowances on a single food card); * Health insurance; * Dental insurance; * Childcare assistance; * Life insurance; * Private pension plan; * Wellhub; * Mercantil Academy of Development; * Profit and Results Sharing Program (PLR); All positions are also open to persons with disabilities (PCDs). We are the best ecosystem for the 50+ population. With over 80 years of history, our journey has been marked by constant innovation and expansion of our services, always focused on technology to deliver an outstanding banking experience. After all, our customers are the reason we exist. We are undergoing consistent transformation, driven by innovation, technology, data, and people. With over 9 million customers and a focus on the 50+ demographic, the bank’s purpose is to deliver a unique experience to this population. This momentum has earned recognition: Mercantil ranks among the Best Companies to Work for in Minas Gerais and stands as the fifth-largest payer of social security benefits nationwide. Excellence is also reflected in our consistently high Net Promoter Score (NPS), an indicator measuring customer satisfaction and loyalty. With over 300 service points across nearly 250 cities, the bank consolidates its national presence with proximity and efficiency. Moreover, good ideas always find space here. We believe in the power of diversity and inclusion to drive real change. That’s why our opportunities are extended to persons with disabilities, Black and Indigenous individuals, LGBTQIAPN+ people, individuals aged 50+, women enrolled in support programs addressing domestic violence, and other historically marginalized groups. We remain firmly committed to building a fair, representative, and truly inclusive environment offering real opportunities for everyone. Join us! If this resonates with you, come be part of us: **\#VEMSERMERCANTIL**