Senior Analyst | Client Desk

Description

**About Us** XP Inc. is one of Brazil's largest independent financial institutions, owner of the XP, Rico, Clear, XP Educação, InfoMoney, and other brands. With over 4.6 million active clients and assets under custody exceeding R$ 1.1 trillion, XP Inc. has been transforming the financial market for 24 years to improve people's lives. Guided by four core values — **Big Dreams, Entrepreneurial Spirit, Customer Focus, and Open Mind** — XP Inc. continuously seeks top talent with the ambition to achieve the impossible. **About the Opportunity** ------------------------ This opportunity is to join the **Credit Solutions Desk**, which is responsible for delivering **consultative and technical support** to advisors and clients in the analysis, negotiation, and monitoring of **corporate credit operations**. Our purpose is to **drive our clients' businesses** through detailed analysis of their needs, proposing credit solutions aligned with expectations, leading complex negotiations, and collaborating with partner areas (Credit, Risk, Compliance, Legal, Operations, among others). We operate in a dynamic, collaborative, and results-oriented environment characterized by high technical depth and commitment to delivering the best client experience. **What We’re Looking For** -------------------- **Essential Requirements:** * Alignment with XP’s culture (ownership mindset, entrepreneurship, collaboration, and customer focus). * Excellent written communication in Portuguese, with strong attention to spelling and textual clarity: * Ability to structure ideas effectively in emails, analyses, and reports, without serious Portuguese language errors. * Skill in concisely summarizing complex points in an objective and understandable manner. * Clear and confident verbal communication, with ability to lead negotiations with clients and internal teams. * Strong organizational and time-management skills, with discipline to handle multiple simultaneous operations. * Solid knowledge of Finance (financial statement analysis, capital structure, cash flow, leverage, guarantees, etc.). * Comfort reading data and technical materials (credit reports, opinions, contracts, risk policies). **Preferred Qualifications:** * Prior experience in corporate PJ credit / middle-market / structured credit, with consultative engagement—not merely retail branch routines. * Experience in commercial areas, credit desks, or structured products, with focus on PJ relationship management and business origination. * Ability to connect client needs with available credit solutions, proposing structured alternatives. * Analytical profile, with ease interpreting numbers, indicators, and financial documents, translating them into practical recommendations. * Experience frequently interacting with Credit, Risk, Compliance, and Legal teams. **Challenges and Impact** ---------------------- * Deliver consultative and technical support to B2B and B2C advisors and corporate clients, assisting in structuring credit operations. * Perform **analysis, negotiation, and monitoring** of corporate credit operations, applying critical judgment regarding risk, return, and alignment with client needs. * Collaboratively structure and analyze operations with partner areas (Credit, Risk, Compliance, Legal, Operations, etc.). * Oversee the full operational lifecycle: execution, amendments, and settlement—ensuring smooth processing and adherence to internal policies. * Manage exception cases and post-sale requests, always prioritizing optimal client experience and risk mitigation. * Produce clear and well-organized records and materials (emails, memoranda/credit notes, dossiers, presentations, reports). * **Process Steps** * **Initial screening**: Resume review to assess alignment with qualifications and role requirements. * **General assessments**: Cultural fit evaluation via Mindsight test and logical reasoning assessment via Predictive Index. * **Video interview**: An opportunity to get to know each other better and understand your motivations and experiences. * **Recruitment team interview**: Discussion about expectations regarding the role and professional goals. * **Leadership interview**: A conversation to explore your vision and how you can contribute to the team and company. * **Peer interview**: Interaction with future colleagues to evaluate synergy and teamwork. * **Technical assessment**: Area-specific case study focused on the competencies required for the role. * **Offer**: Presentation of the employment proposal, including compensation and benefits details. **Benefits:** Health and Well-being: * Health insurance * Dental insurance * Wellhub (Gympass) * Zenklub * Life insurance * iFood Benefits (flexible VA and VR) * Transportation allowance * New Value (benefits club) * Parental leave: 6-month maternity leave and 20-day paternity leave * Childcare allowance Financial Life * Exclusive investment funds * Investment advisory services * XP Visa Infinite card with no annual fee * Credit products (payroll-deductible loans, home equity loans, real estate CCBs, etc.) **Flexible In-Person Work Model** Our work model varies by function — fully in-person for business-facing roles and more flexible for other teams. We follow a model with higher in-person frequency, yet always guided by flexibility and autonomy, consistent with our entrepreneurial culture. At XP Inc., we value personal interactions and believe the office serves as a tool to strengthen workplace relationships. * *By proceeding with your application, you declare that you have read, understood, and agree to the XP Inc. Group’s Privacy Policy and those of its vendors and partners supporting the selection process. The XP Inc. Group may use artificial intelligence solutions to assist the recruitment team throughout the process, which may involve processing your personal data for this purpose, in accordance with the principles of Brazil’s General Data Protection Law (LGPD) and the XP Inc. Group’s Privacy Policy.*