Associate | Credit Analysis and Policies

Description

**About Us** XP Inc. is one of Brazil's largest independent financial institutions, owning brands such as XP, Rico, Clear, XP Educação, InfoMoney, among others. With over 4.6 million active clients and assets under custody exceeding R$ 1.1 trillion, XP Inc. has been transforming the financial market for 24 years to improve people's lives. Guided by a distinctive culture anchored in 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** ------------------------ This opportunity is for the Credit Analysis and Policies area, whose mission is to develop, enhance, and manage corporate credit (PJ) policies, ensuring consistent decisions aligned with the institution’s risk appetite and supporting sustainable portfolio growth. This is a team passionate about data-driven decision-making, risk analysis, understanding clients’ businesses, and building frameworks that balance risk and return. You may thrive here if you enjoy structuring credit rules and criteria, working with numbers and metrics, designing processes, stress-testing scenarios, and collaborating with commercial and risk teams to enable sound business opportunities with security. **What We’re Looking For** -------------------- **Essential Requirements:** * Solid programming language skills, with strong SQL proficiency and relevant Python experience applied to credit analysis, modeling, and/or rule automation. * Consistent experience in credit analysis, risk management, or definition/management of corporate credit (PJ) policies within financial institutions, preferably with exposure to diverse segments and products. * Strong analytical capability, including experience handling databases, constructing indicators, and preparing reports and studies to support strategic credit decisions. * Excellent written and verbal communication skills, with the ability to influence stakeholders, articulate technical recommendations, and collaborate effectively with business, risk, and product teams. * Availability to work in a hybrid on-site model in São Paulo. **Preferred Qualifications:** * Experience defining or reviewing risk appetite frameworks, credit limits and authorities, with portfolio-level perspective and impact on results (e.g., RAROC, ROE, NPL, LGD). * Experience automating credit policies and rules (decision engines, API usage, bureau integrations, workflows), contributing to efficiency gains and scalability. * Familiarity with statistical modeling, understanding how policies and models interrelate. * Demonstrated strong ability to read and analyze corporate (PJ) financial statements, capital structure, covenants, and collateral—especially for small and medium-sized enterprises. * Prior participation in credit committees or decision forums, presenting cases, defending positions, and negotiating structural adjustments with business areas. * Experience managing or technically coordinating teams (even indirectly), supporting analyst development, case reviews, and standardization of criteria. * Proficiency in regulation and norms applicable to credit (BACEN, CMN, relevant resolutions) and best practices in risk governance. * Ability to translate technical topics into clear narratives for executive audiences, delivering concise presentations with strategic vision. * A curious, continuous-improvement mindset—proposing enhancements to processes, policies, and metrics with focus on balancing growth, risk, and customer experience. **Challenges and Impact** ---------------------- * Lead the creation, revision, and governance of corporate (PJ) credit policies, ensuring alignment with the company’s risk guidelines, current regulation, and industry best practices. * Continuously monitor credit policy effectiveness, proposing and implementing structural adjustments to support sustainable portfolio growth while maintaining appropriate risk quality. * Work cross-functionally with Origination, Risk, Products, Legal, and Operations teams to ensure correct implementation, communication, and dissemination of credit policies across the entire customer journey. * Structure and present executive analyses and reports on portfolio performance, risk indicators, and credit policy impacts, supporting decision-making in strategic forums and committees. * Identify and lead continuous improvement initiatives in credit analysis and decision-making processes (workflows, criteria, automation, models, authorities), driving efficiency gains, standardization, and improved customer experience. * **Process Steps** * **Initial screening**: Resume review to assess alignment with qualifications and job requirements. * **General assessments**: Evaluation of cultural fit via the Mindsight test and logical reasoning assessment via Predictive Index. * **Video interview**: An opportunity to get to know each other better and understand your motivations and experiences. * **Recruitment team interview**: Discussion of expectations regarding the role and your professional goals. * **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 details on compensation and benefits. **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 months maternity leave and 20 days paternity leave * Childcare allowance Financial Life * Exclusive investment funds * Investment advisory services * XP Visa Infinite card with no annual fee * Credit solutions (payroll-deductible loans, home equity loans, real estate CCBs, etc.) **Flexible On-Site Work Model** Our work model varies by function—fully on-site for certain business units and more flexible for other teams. We follow a model with higher on-site frequency, yet always guided by flexibility and autonomy, grounded in our entrepreneurial culture. At XP Inc., we value personal 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 Privacy Policy of XP Inc. Group and its vendors and partners supporting the selection process. 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 General Data Protection Law and XP Inc. Group’s Privacy Policy.*