Senior Credit Risk Analyst

Description

Job Summary: We are looking for passionate professionals to join a dynamic team focused on challenges and career leadership, in an environment that values recognition and professional growth. Key Highlights: 1. Career leadership and experience with new challenges 2. A dynamic environment that recognizes and encourages talent 3. A team that values your talent and contributes to challenging projects We are seeking talented and passionate individuals to join our team. Is being challenged daily something that motivates you? If yes, join Mercantil! Here, you’ll find abundant opportunities to experience new challenges and become the protagonist 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 join 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! Interested? 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 institutional data, policies, and processes for credit risk analysis in operations. * **Process Governance**: Continuous 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, focusing on supporting credit risk decisions. * **Provision Forecasting**: Developing and monitoring provision expense forecasts based on expected loss models. **Requirements and Qualifications** **We are looking for someone with:** * Bachelor’s degree completed in Economics, Business Administration, Actuarial Science, Statistics, Production Engineering, or related fields. * Minimum 2 years of experience in risk areas at financial institutions or credit policy analysis roles. * Understanding of credit business and provisioning practices in financial institutions, per Resolution 4966\. * Advanced proficiency in Excel and PowerPoint. * Strong SQL and data analysis skills. * Experience in provision forecasting. **You’ll stand out if you have:** * Expertise in data analysis and Power BI dashboard creation. * Experience 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 benefits on a single food card); * Health insurance; * Dental insurance; * Childcare allowance; * Life insurance; * Private pension plan; * Wellhub; * Mercantil Academy of Development; * Profit Sharing Program (PLR); All positions are also open to people 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 service expansion, always focused on technology to deliver an outstanding banking experience. After all, our customers are our reason for being. We are undergoing consistent transformation, driven by innovation, technology, data, and people. With over 9 million customers and a focus on the 50+ demographic, our bank aims to provide this population with a unique experience. This initiative 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 in the country. Excellence is also reflected in our consistently high NPS (Net Promoter Score), 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, great ideas always find space here. We believe in the power of diversity and inclusion to drive real change. Therefore, our opportunities are extended to people with disabilities, Black and Indigenous individuals, LGBTQIAPN\+, people aged 50+, women enrolled in support programs addressing domestic violence, and other underrepresented groups. We remain committed to building a fair, representative, and truly inclusive environment with real opportunities for everyone. Join us! If you identify with this, come be part of it: **\#VEMSERMERCANTIL**