Product Specialist IV Country: Brazil Are you a person with strong analytical skills, strategic vision, and passion for numbers? Do you enjoy working with large volumes of data, turning information into insights, and directly contributing to the profitability of financial products? Then this opportunity might be for you! We are looking for a Consultant to join our Individual Credit Directorate within the Profitability and Pricing Strategy team. This professional will be responsible for turning data into strategic decisions, managing financial flows, analyzing the profitability of credit products, and developing pricing and price/spread management models. **Here, your role will include:** * Monitoring and analyzing the profitability of the individual payroll-deductible loan and personal loan portfolio; * Building and maintaining pricing models and margin simulations; * Implementing strategies to optimize bank capital and reduce financial costs; * Proposing improvements in remuneration models and commercial strategies based on data; * Collaborating closely with pricing, product, sales, and risk departments; * Supporting the team in building ad hoc analyses for decision-making; * Creating dashboards and reports to facilitate portfolio performance monitoring; **For this role, we value:** * Degree in Engineering, Economics, Statistics, or related fields; * Solid experience in data analysis, finance, and/or credit products; * Advanced knowledge of SQL and/or Python for data manipulation and analysis; * Advanced proficiency in Excel and data visualization tools (Power BI, Tableau, etc.); * Logical reasoning, critical thinking, and results orientation; **Differentiators:** * Previous experience in credit, risk, finance, pricing, CRM, or strategic management areas; * Knowledge of statistical modeling techniques and use of algorithms to solve business problems; * Experience with pricing models or margin and profitability analyses; * Understanding of P\&L structure and profitability metrics such as ROE and RORWA; **You'll fit well with us if you have:** **T** hink Customer – I think about the customer **E** mbrace Change – I drive change **A** ct Now – I act quickly **M** ove Together – I work as a team **S** peak Up – I speak openly **\# BENEFITS** Medical and dental insurance; Meal and food allowance; Supplementary pension plan; Life insurance; Childcare allowance; Gympass or Totalpass; Transportation allowance; Nascer Program; Be Healthy \- Program encouraging healthy habits; PAPE \- Specialized personal support program If this appeals to you, join Santander! ️ \#HereYourLightTransforms \#JoinSantander \#BeTheSpark