We are seeking a professional to join our team as a **Senior Credit Risk Analyst**, serving as the **focal point for monitoring and analyzing the Sicredi system’s credit risk portfolio**, ensuring a **holistic view of credit risk quality** across the cooperative network, translating data into **actionable insights** and recommendations to maintain the portfolio within the defined **risk appetite**, in accordance with regulatory requirements and industry best practices (IFRS 9/CPC 48, applicable CMN Resolutions, Basel III). #LI-GT1 #LI-HYBRID **Responsibilities and Duties** * Serve as the technical reference for credit risk indicators and quality across cooperatives; * Ensure integrity and consistency of indicators used in executive and regulatory decision-making; * Anticipate deteriorations (early warning signals) and recommend evidence-based mitigating actions; * Influence stakeholders through objective, comparable narratives; * Elevate analytical maturity by disseminating methods, standards, and training peers when needed; * Participate in strategic projects related to credit risk management and provisioning, contributing technically grounded analyses and recommendations; * Provide technical support and advisory services to cooperatives, central entities, and internal CAS areas—clarifying doubts and assisting in decision-making. **Requirements and Qualifications** **Knowledge and Experience:** * **Credit & Accounting/Regulatory Risk**: IFRS 9/CPC 48 (staging, ECL), applicable CMN Resolutions (e.g., 4.966/21 and related), Basel III (Credit RWA), provisioning and risk classification policies; * **Metrics & Methods**: NPL/Over-90, coverage ratio, maturity profile, rollovers, PD/LGD/EAD, backtesting, stress testing, risk appetite/tolerance; * **Data & Tools**: SQL (mandatory), SAS, Power BI (DAX/M), advanced Excel; Python (pandas/numpy) for automation and analysis; basic modeling knowledge; * **Cooperative & Banking Business**: Familiarity with credit products (individual/corporate/agricultural), targeted lending lines (rural/BNDES), and cooperative-specific features; * **Executive Communication**: Ability to distill complex diagnostics into clear, visual, decision-oriented messages; * Demonstrated experience with IFRS 9 (closing routines, ECL calculation, staging) and managerial dashboards built on transactional/granular data; * Proven track record interacting with auditors/regulators (BCB) and presenting to Committees and Executive Management; * Preferred: Prior experience in cooperative systems (Centrals/Cooperatives) and/or portfolios involving joint liability/guarantees. **Valued Differentiators** * Certifications: FRM, CFA (Level I/II); * Advanced English (technical documentation, interaction with consultancies/multilateral institutions). **Behavioral Competencies** * Analytical rigor combined with practical judgment; * Ownership and accountability: “see-diagnose-act-measure”; * Influence without authority and data-driven negotiation; * Clear communication tailored to both technical and non-technical audiences; * Systemic collaboration: “one institution” mindset across Bank, Centrals, and Cooperatives. **Additional Information** At **Sicredi**, you’ll enjoy: Fixed 13th and 14th salaries; Profit Sharing (2 to 5 monthly salaries, depending on seniority); Health benefits: Health and Dental Plans with no co-payment (only age-tiered monthly fee), life insurance, nutrition and psychological support allowances; Meal and Food Allowances – flexible allocation (%) across VA/VR cards, no co-payment; Extended maternity and paternity leave; Childcare or babysitter allowance for children up to 6 years and 11 months; Private Pension Plan covering up to 6% of salary; Learning Platform – Sicredi Aprende, offering diverse courses; 40-hour weekly work schedule – using a time-banking system; Home Office Allowance (for hybrid or remote positions); **Nice to meet you—we’re Sicredi.** Our journey began over 120 years ago as Brazil’s first financial cooperative. Today, we continue growing and transforming daily alongside **more than 50,000 employees**. They make us the **Best Place to Work**, once again ranked #1 by Great Place To Work Brazil (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, driving local and sustainable development, education, and financial inclusion. We continue seeking talents who want to help build a better world—and we’d love for you to join us. **#JoinSicredi!**