Job Summary: A professional to work in the Credit and Service area, responsible for developing, managing, and optimizing credit policies, standards, and models, as well as monitoring key performance indicators and supporting strategic decision-making. Key Highlights: 1. Focus on development and management of credit policies and standards. 2. Data analysis and optimization of automated workflows. 3. Collaboration with cross-functional teams to enhance efficiency and compliance. **Description and Responsibilities:** **Working Hours:** Monday to Friday, from 9:00 AM to 6:00 PM **Level:** Professional **Employment Type:** Permanent – CLT The **Credit and Service Commercial Area** is responsible for commercial promotion, product development, commercial initiatives, and training for central and singular cooperatives within Sicoob regarding credit products—whether managed by cooperatives or CCS. **Responsibilities:** * Develop, review, and maintain credit policies and standards, ensuring alignment with business rules, risk appetite, and regulatory requirements; * Manage credit policies within the decision engine, including creation, parameterization, review, implementation, and versioning of rules and strategies; * Analyze data to monitor mass credit decisions, evaluating performance, consistency, and efficiency of automated workflows; * Manage the credit pipeline, approval thresholds, and exceptions, ensuring operational fluidity and governance of the decision-making process; * Maintain governance and documentation of policies, standards, rules, models, and decision workflows; * Monitor and analyze credit indicators (e.g., approval rate, reasons for rejection, delinquency, profitability), identifying opportunities for improvement and optimization; * Design, maintain, and evolve credit models, scorecards, and predictive variables using statistical techniques and machine learning; * Propose and implement enhancements to the credit engine, including adjustments to rules, strategies, decision workflows, and integrations with internal and external data sources; * Conduct exploratory data analysis (EDA), portfolio performance monitoring, and risk indicator tracking (e.g., PD, LGD, EAD, approval rate, delinquency); * Ensure continuous monitoring and recalibration of credit models and policies based on performance and changing scenarios; * Collaborate closely with Data, Product, Technology, Compliance, and Legal teams to ensure operational efficiency and regulatory compliance; * Support strategic decision-making through analytical studies, impact assessments, and scenario simulations; * Document methodologies, models, policies, and decisions to ensure auditability, traceability, and adherence to governance best practices. **Requirements:** **Mandatory Requirements:** * Bachelor’s degree in Administration, Mathematics, Economics, Computer Science, or Engineering; * MBA in Credit Risk/Banking; Applied Data Science in Finance, or related fields; * Proficiency in Microsoft Office, especially Excel or Power BI; * Certification or advanced course completion in Power BI or Excel; * Experience in developing credit policies; * Experience in credit risk; * Experience with credit engines; * Knowledge of SQL. **Preferred Requirements:** * Familiarity with Databricks. **Benefits:** Childcare/Babysitting Allowance, Undergraduate and Postgraduate Tuition Assistance, Christmas Basket, Year-End Day Off, Extended Maternity Leave, Extended Paternity Leave, Annual Profit-Sharing Program, Health Insurance Plan, Dental Insurance Plan, Multi-Sponsored Private Pension Plan, Soft and Hard Skills Development Program, Internal Mobility Program – Internal Opportunity Matching, “Viver Bem” (Well-being) Program, Life Insurance, Sicoob Corporate University, Meal Voucher, Food Allowance, Transportation Voucher (optional), Wellhub