Credit Modeling Manager

Description

Job Summary: We are seeking a Credit Modeling Manager to lead the development and monitoring of risk models, ensuring quality, governance, and regulatory compliance. Key Highlights: 1. Lead the credit modeling team 2. Develop and monitor credit risk models 3. Ensure compliance with internal policies and regulatory requirements We are seeking a Credit Modeling Manager to lead the development and monitoring of risk models, ensuring quality, governance, and regulatory compliance, as well as supporting the institution's credit strategy. **Responsibilities and Duties** * Lead the credit modeling team, ensuring high-quality deliverables within agreed timelines; * Develop, validate, and monitor credit risk models (credit score; behavior score; collection score; decision trees; expert systems); * Review corporate credit and collections policies and processes through data-driven studies; * Ensure compliance with internal policies and regulatory requirements; * Monitor model and credit portfolio performance, proposing continuous improvements; * Participate in defining credit granting and risk management strategies; * Collaborate with business units, technology, compliance, and collections teams; * Ensure data and model governance, quality, and traceability; * Participate in internal and external audits, including regulatory requests; * Manage area projects, promoting standardization and best practices. **Requirements and Qualifications** * Bachelor’s degree in Statistics, Mathematics, Economics, Engineering, or related fields; * Proven experience in credit modeling or credit risk; * Prior experience in team leadership or coordination; * Knowledge of statistical models and/or machine learning applied to credit; * Proficiency in SQL and experience with Python, R, or SAS; * Familiarity with regulations (Basel, IFRS 9, credit policies); * Experience in model validation and monitoring; * Strategic vision and organizational skills; * Strong analytical capability (data analysis, interpretation of results, and ability to derive strategic insights). **Additional Information** * Meal and Food Allowance (Total value R$ 2\.097\); * Unimed Unimax Health Plan with option to include dependents; * Dental Plan; * Life Insurance; * Pharmacy network agreement; * TotalPass; * Childcare Assistance; * Parking; * Fuel Allowance; * Ticket Plus Card. **In addition to these benefits, we offer:** * An on-site micro-market; * 14th and 15th Salary; * Christmas Bonus; * PPR (Profit Participation Program) based on achievement of established goals). **We are a B2B digital bank operating nationwide, specialized in foreign exchange, credit, and bank-as-a-service.** **Leveraging our expertise in technology and staying attuned to financial sector evolution, we develop high-quality products and services aligned with our customers’ needs.** **Our specialized team is a key differentiator, enabling close, agile, and flexible service to build lasting partnerships.**