Senior Credit Risk Modeling Analyst – Wholesale

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 BRL 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** ------------------------ As a **Credit Risk Modeling Analyst – Wholesale**, you will contribute to the evolution of a strategic area within XP, focusing on credit risk modeling for corporate (PJ) clients in the wholesale segment (Middle Market, Corporate, and Private). Day-to-day, you will support the development, calibration, and monitoring of risk rating models for these portfolios, directly enhancing credit decision quality, portfolio risk visibility, and lending process efficiency. **What We’re Looking For** -------------------- **Essential Qualifications:** * Experience developing and monitoring risk rating models for wholesale-segment portfolios (Middle Market, Corporate, and Private). * Experience developing and/or calibrating models for low-default portfolios. * Experience developing risk parameter models for wholesale portfolios. * Strong written and verbal communication skills, capable of clearly presenting analyses to stakeholders across all organizational levels. * Analytical mindset, attention to detail, and results orientation. * Prior experience in credit risk focused on corporate (PJ) clients. * Basic knowledge of programming languages (e.g., Python, R, SQL). * Bachelor’s degree in Economics, Statistics, Mathematics, Engineering, Business Administration, or related fields. **Preferred Qualifications:** * English (reading and listening) * Practical experience with Databricks * CFA or FRM certification * Postgraduate degree **Challenges and Impact** ---------------------- * Build, calibrate, and monitor risk rating models. * Develop models to calculate Probability of Default (PDD). * Develop models to calculate regulatory capital requirements. * Prepare presentations and analytical studies to support decision-making. * Collaborate with multidisciplinary teams to enhance lending, portfolio maintenance, and risk management processes and strategies. * **Process Steps** * **Initial screening**: Resume review to assess alignment with qualifications and job requirements. * **General assessments**: Evaluation of cultural fit using the Mindsight assessment and logical reasoning test from Predictive Index. * **Recruitment team interview**: Discussion regarding expectations for the role and professional goals. * **Technical assessment**: Interview focused on role-specific competencies. * **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. * **Culture-focused interview**: Exploration of company values and principles to ensure strong cultural alignment. * **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 role — fully in-person for business-facing functions and more flexible for other teams. We follow a model emphasizing higher in-person frequency, always guided by flexibility and autonomy, aligned with our entrepreneurial culture. At XP Inc., we value face-to-face 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 Privacy Policy and that of its vendors and partners supporting the recruitment 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 Privacy Policy.*