Job Summary: Credit Risk professional for the second line of defense, tasked with continuously managing aggregated-level Credit Risk for the Conglomerate. Key Highlights: 1. Career development opportunity 2. Academic and technical training pathways 3. Educational incentives Credit Risk Front dedicated to the second line of defense. Its mission—performed independently and in segregation—is to continuously manage aggregated-level (portfolio) Credit Risk for the Conglomerate, aiming to identify, measure, monitor, control, and mitigate associated risks. **Responsibilities and Duties** * The professional will directly handle the measurement and assessment processes of the Conglomerate’s provisioning levels under IFRS 9 and BR GAAP/4966 criteria; * Presentation of risk indicators and management reports to Executive Committees on Risk, Credit, and Collections; * Conducting simulations of impacts on PDD indicators; * Supporting the measurement and assessment workflows for credit risk across the Conglomerate’s Prudential asset portfolios; * Monitoring portfolio roll-overs (NPL / Expected Loss / Over / BAD); * Tracking, monitoring, and reporting delinquency levels and portfolio performance results for Retail and Wholesale segments at the aggregated level. **Requirements and Qualifications** * Experience in credit operations portfolio management; * Knowledge of credit scoring models and provisioning standards 4966 and IFRS 9; * Proficiency in data analysis and structuring tools (Python, SQL, and Power BI) is required. **Additional Information** * Academic and technical training pathways; * Career development opportunity; * Meal Allowance and Food Allowance; * Health and Dental Plans; * Life Insurance; * Special conditions on our financial products; * Daycare / Nanny Assistance; * Educational incentives; * TotalPass; * J. Safra Club (discounts at pharmacies, leisure, wellness and health, education, and summer camps along the southern coast of São Paulo); * Position located near a subway station. **All our job openings are open to Persons with Disabilities (PWDs). If you qualify or know someone who does, join us!** For 180 years, we have navigated the seas of Brazil’s and the world’s financial markets. With the strength of over 9,000 specialists and presence in 28 countries, we are today the 4th largest private bank in Brazil. Our history and solidity provide the security needed to continue innovating. We invest in technology and create tailor-made solutions to care for those who trust us: clients, suppliers, and our specialists—our employees. Here, you’ll find an institution built by people who value partnerships, learn from experiences, and transform adverse scenarios into new opportunities. We are a diverse team spanning multiple generations, offering career opportunities across various areas. \#BeAnExpert \#BeSafra \#JoinSafra