The Risk Management Directorate’s Planning area monitors and reports a consolidated, executive-level view of the budgeting and performance process (actual vs. forecasted), and guides partner areas in decision-making related to costs, expenses, credit losses, and key business drivers—focusing on efficiency, identifying opportunities to optimize available resources and thereby improve product performance. **Responsibilities and Duties** * Develop and monitor predictive models for credit portfolio roll rates and losses; * Analyze, track, and explain actual versus forecasted results; * Conduct portfolio analyses (credit granting profile and delinquent portfolio); * Identify opportunities and drive continuous improvement in the credit portfolio; * Prepare portfolio studies to identify opportunities and potential areas of concern; * Transform large volumes of data into strategic information; * Interpret analytical results and generate valuable insights, communicating these findings clearly to all stakeholders via presentations, dashboards, or reports; * Address ad hoc requests for various studies; * Develop financial models to support strategic and operational decision-making. **Requirements and Qualifications** * Bachelor’s degree in Exact Sciences (Statistics, Mathematics, Economics, or related fields) (postgraduate degree preferred); * Strong knowledge of statistical modeling; * Proficiency in programming languages (Python, SQL, R); * Familiarity with current standards for credit loss measurement (IFRS 9, CMN Resolution 4966) and accounting principles is desirable; * Excellent logical and quantitative reasoning skills. **Additional Information** **BENEFITS** **Flexible Meal and Food Allowance;** **Health Insurance Plan;** **Dental Insurance Plan;** **Wellhub and TotalPass;** **Exclusive Bio Ritmo Gym for Employees:** located at the Head Office Complex; **Profit-Sharing Program (PLR);** **Stock Ownership Program: Porto em Ação:** complementary to PLR until 2025; **Beach Volleyball and Multipurpose Courts:** located at the Head Office Complex; **Transportation Allowance;** **Van Transportation Services;** available at major access stations to Porto (Luz, Barra Funda, Santa Cecília, and Júlio Prestes); **Extended Parental Leave:** up to 40 days for all family configurations; **Extended Maternity Leave:** six months; **Medical Clinic with Specialties:** located at the Head Office Complex and Barra Funda; **Childcare or Nanny Assistance;** **Life Insurance;** **Private Pension Plan – PortoPrev;** **Discounts on Products and Services;** **Tuition Reimbursement Program:** covers undergraduate, graduate, or MBA studies; **Monthly Running Events:** subsidy for major street races in São Paulo; **Language Reimbursement (English or Spanish);** **Teatro Porto:** exclusive screenings for employees; **Library;** **Rest Room:** located at the Head Office Complex; **Game Room:** located at the Head Office Complex; **Massage and Podiatry Services:** located at the Head Office Complex; **Work Location:** On-site (We operate hybrid work models, which will be discussed during the selection process); Porto is much more than an insurance company: it is a vast ecosystem leveraging technology to create solutions across four business verticals: **Porto Bank, Porto Saúde, Porto Seguro, and Porto Serviço**. The reputation and recognition earned over more than seven decades underscore Porto’s scale—a reference company in business, built by and for people. Here, 13,000 employees proudly belong to a solid, ethical organization that **turns dreams into fantastic realities** for over 15.8 million customers. We operate through more than 101 branches and regional offices across Brazil. Learning is part of our DNA. Here, you’ll find **incentives, tools, and supportive colleagues to learn and grow every day**, in an inclusive and safe environment where everyone can be themselves and take pride in who they are—promoting respect, holistic well-being, and authentic humanity. **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe that a plural team is essential to advancing our entire business, society, and every individual—because we understand that each person is unique in building a more innovative and inclusive environment. Together, we work daily to build a safe, free, and welcoming space with greater plurality and respect. Therefore, we **strongly encourage applications from women, Black and Indigenous individuals, people with disabilities, and LGBTQIA+ individuals** for all our open positions.