Job Summary: Senior Analyst for Credit Risk Monitoring, focused on portfolio quality and performance analysis, contributing to business decisions and leveraging AI. Key Highlights: 1. Centralized focus on Credit Risk Monitoring within a cooperative system 2. Responsible for enhancing the depth and speed of portfolio analysis 3. Structural support for a cross-functional initiative on Artificial Intelligence application We are seeking a Senior Analyst to strengthen the centralized Credit Risk Monitoring area of Sicredi Cooperative Bank, which supports credit management across a system comprising over 100 cooperatives. Our team operates along the risk provisioning axis (IFRS 9 / CMN Resolution 4.966), generating diagnostics, executive insights, recommendations, and governance materials (committees and executive board), as well as delivering scalable tools for the network (dashboards, structured analyses, breakdowns by cooperative/central/segment). This position will be responsible for enhancing the depth and speed of portfolio quality and performance analyses (including risk and profitability breakdowns), supporting business decisions (origination, pricing, collections/restructuring) and advancing our communication and explainability mechanisms. Beyond recurring monitoring and studies, the professional will provide structural support to a cross-functional initiative applying Artificial Intelligence to scale operations and standardize explanations for cooperatives (e.g., “what changed in provisioning, why, where, and what actions can mitigate it”). We do not seek an “AI specialist”, but rather someone with practical maturity in using AI tools daily—capable of transforming analyses and rules into consistent, traceable, and actionable content. **Responsibilities and Duties** * Conduct recurring portfolio quality analyses (daily/monthly), identifying trends, outliers, drivers, and emerging risks by segment/central/cooperative; * Produce executive diagnostics and governance materials (committees, executive board, reports), clearly linking risk, provisioning, and results; * Structure action-oriented studies and hypotheses (origination, pricing, collections, restructuring), prioritizing breakdowns with highest materiality and impact; * Enhance indicators, metrics, and dashboards (in partnership with BI), ensuring consistency and traceability for the area; * Investigate root causes of indicator deterioration (e.g., short-term delinquency, migration, restructuring, risk mix), proposing guidance and tracking effects; * Support projection/stress-testing exercises and sensitivity analyses as needed, connecting actual performance readings with prospective scenarios; * Serve as technical and methodological reference for portfolio analysis, supporting peers in standardizing routines and improving delivery quality; * Actively contribute to the AI initiative by helping: map priority questions; translate rules and analyses into consistent answers; define official data sources; test outputs; and identify interpretation risks; * Apply AI tools daily to increase productivity (summarization, structuring, drafting, hypothesis exploration), while maintaining human governance and validation of outputs; * Interact with partner areas (modeling, credit, products, finance, centrals/cooperatives) to align assumptions, validate interpretations, and co-develop solutions. **Requirements and Qualifications** **Mandatory Requirements:** * Completed undergraduate degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Data Science or related fields; * Solid senior-level experience in credit portfolio/risk analysis (portfolio quality, default, migration, provisioning, segment breakdowns); * Proven ability to translate complex analyses into executive messages, with strong writing and presentation skills; * Proficiency in analytical tools (minimum: advanced Excel + SQL and/or Python/R for exploration/automation); * Numbers governance mindset: traceability, consistency, documentation, and version control; * Practical experience using AI tools at work (e.g., Copilot/ChatGPT or equivalents) to boost productivity, with awareness of limitations and need for human validation. **Desirable Requirements** * Familiarity with IFRS 9 / ECL and/or CMN Resolution 4.966 (staging, provisioning drivers, PD/LGD/EAD, overlays); * Experience with Power BI (modeling, DAX, dashboard governance) and “semantic layer”/official definitions routines; * Experience in cross-functional projects (product/analytics/automation), including backlog management, prioritization, and interaction with multiple stakeholders; * Experience designing risk-adjusted profitability metrics (post-PDD margin, cost of risk, RAROC) and using such metrics to guide decisions; * Basic understanding of LLMs and applied AI (prompting, response evaluation, source management, hallucination risks, controls) and/or participation in AI-driven automation initiatives; * Experience in financial institutions/cooperative banks or risk consulting, with business-area engagement. **Valued Differentiators** * Certifications: FRM, CFA (Level I/II); * Advanced English (technical documentation, interaction with consultancies/multilateral institutions). **Additional Information** At **Sicredi**, you’ll have: 14th and 15th fixed salaries; Profit Sharing (2 to 5 salaries, depending on seniority); Health benefits: Health and Dental Plans without copayment (only age-based monthly fee), life insurance, nutrition and psychological support allowances; Meal and Food Allowances – flexible % allocation across VA/VR cards, no copayment; Extended maternity and paternity leave; Childcare or babysitter allowance for children up to 6 years and 11 months; Private Pension Plan up to 6% of salary; Training Platform – Sicredi Aprende, offering diverse courses; 40-hour weekly workload – using a time bank system; Home Office Allowance (for hybrid or remote positions); **Nice to meet you—we are Sicredi.** Our journey began over 120 years ago as Brazil’s first cooperative financial institution. Today, we continue growing and transforming daily alongside **over 50,000 employees**. They make us the **Best Place to Work**, once again ranking #1 according to Great Place To Work Brasil (GPTW). Together with **over 9 million members**, across all Brazilian states, we believe in the power of cooperation to **build a more prosperous society and generate positive impact in people’s lives**—a purpose that unites and inspires us, promoting local and sustainable development, education, and financial inclusion. We continue seeking talents who wish to help build a better world—and we want you on board. **#JoinSicredi!**