Credit Risk Coordinator - Portfolio Management and Analytics

Description

Job Summary: A Credit Risk professional to structure and monitor risk management, ensuring regulatory compliance and technical support for decision-making at Sicoob. Key Highlights: 1. Strategic involvement in Credit Risk Management within the financial system 2. Leadership and team development in a collaborative environment 3. Advanced data analysis to support strategic decision-making **Description and Responsibilities:** **Working Hours:** Monday to Friday, from 9:00 AM to 6:00 PM **Level:** Professional **Employment Type:** Permanent – CLT The **Credit Risk** area is responsible for structuring and monitoring Credit Risk Management at Sicoob, ensuring regulatory compliance, portfolio soundness, and technical support for decision-making. It handles the development and updating of policies and regulations, responds to audits and regulatory bodies, and monitors prudential and managerial indicators. **Responsibilities:** * Structure and ensure effective credit risk management within CCS. * Continuously monitor the credit portfolio, assessing behavior, concentration, delinquency, provisions, and trends. * Conduct advanced quantitative and qualitative analyses, intensively using databases and managerial indicators. * Assess adherence of operations, policies, and practices to internal regulations, external regulations, and prudential guidelines. * Ensure quality, consistency, integrity, and traceability of information used in risk processes. * Prepare technical studies and in-depth analyses to support strategic decision-making. * Produce managerial and executive reports for senior management and governance bodies. * Propose improvements to policies, rules, methodologies, and metrics for credit risk monitoring. * Identify significant exposures and recommend timely mitigation measures. * Contribute to the sustainability and soundness of central cooperatives, singular cooperatives, and other entities within the Sicoob Cooperative Center (CCS), from a risk perspective. * Coordinate, develop, and supervise the team, allocating tasks, evaluating performance, and ensuring quality and timely delivery aligned with the area’s strategic guidelines. **Requirements:** **Mandatory Requirements:** * Completed undergraduate degree and postgraduate degree in Statistics, Finance, Economics, Engineering, Information Technology, or related fields. * Experience in credit or credit risk areas within financial institutions, preferably with quantitative focus (credit modeling, statistical analyses, and quantitative methods). * Experience leading teams, either as a formal manager, technical leader, or technical reference in project execution and deliverables. * Proficiency in Python and SQL for data manipulation and extraction. * Knowledge of data science applied to credit and credit risk. * Knowledge of predictive modeling and statistical model development. **Desirable Requirements:** * Familiarity with Central Bank of Brazil regulations applicable to credit risk management. * Familiarity with CMN Resolution No. 4\.966/2021 and related regulations. Knowledge of Expected Loss modeling (PD, LGD, and EAD). * **Benefits:** Childcare/Babysitter Allowance, Undergraduate and Postgraduate Scholarship Program, Christmas Hamper, Year-End Day Off, Extended Maternity Leave, Extended Paternity Leave, Annual Profit-Sharing Program, Health Insurance Plan, Dental Insurance Plan, Multi-Sponsored Private Pension Plan, Soft and Hard Skills Development Program, Internal Mobility Program – Internal Opportunity Matching, “Viver Bem” (Live Well) Program, Life Insurance, Sicoob Corporate University, Meal Voucher, Food Voucher, Transportation Voucher (optional), Wellhub