We are **PAN** Agile, flexible, and creative, we explore possibilities with enthusiasm and a drive to make things happen. Always ready to tackle new challenges, we nurture leaders who not only possess grit but are also open-minded and empathetic—seeing closeness in relationships as the bond connecting each of us. Our mission is fulfilled when we transform others’ lives through our expertise. Our cultural pillars reinforce our visionary posture and our desire to make things happen: **Intensity, Nonconformity, Efficiency, Team Spirit, and Integrity.** **We are your financial partner, delivering intelligent solutions that help you achieve your goals safely and confidently.** **In your day-to-day:** * Support decision matrix (What\-If) simulations. Practical example: Help calculate whether reducing the rate by 0\.10pp for customers with a 40% down payment generates sufficient volume to offset Funding and PCLD costs while maintaining the target ROA. * Interface with Data Science: Collaborate with the modeling team. You will help formulate business hypotheses (e.g., seasonality among dealerships, competitors’ actions) to refine models and support backtesting of conversions. * Monitor A/B Tests: Track execution and measurement of controlled rate tests, helping isolate pricing impact from other market factors. * Portfolio Data Analysis: Extract and analyze credit pipeline data, correlating proposal conversion rates with traditional CDC drivers (customer Rating/PD vs. Tenor vs. Down Payment). **We expect from you:** * Completed undergraduate degree in Statistics, Applied Mathematics, Economics, Engineering, Business Administration, or related fields. * Proficiency in SQL for data extraction, cross-tabulation, and portfolio analytical analysis. * Sharp logical reasoning and ability to translate numbers into direct business impacts (avoiding the trap of "volume for volume’s sake"). **Desirable:** * Basic/intermediate knowledge of Python or R for automating analyses and manipulating data (e.g., Pandas). You won’t build models from scratch, but you’ll need to run *scripts* and consume data. * Data Science literacy (basic understanding of Hypothesis Testing, p\-value, and A/B Testing) to communicate fluently with our Data Scientists. * Familiarity with credit product mathematics (Spread, NIM, Cost of Risk/PD, LGD, ROA) and financial mathematics. **Benefits:** * Profit and Results Sharing (PLR); * Meal and Food Allowance; * Health Insurance; * Dental Insurance; * Daycare/Nanny Allowance; * Transportation Voucher; * WellHub; * TotalPass; * Employee Assistance Program (EAP); * Voluntary plans such as Private Pension and Life Insurance; * Pharmacy Discount; * Nutrition Program; * Pregnancy Program; * Extended Maternity and Paternity Leave – Citizen Company
João Silva
Indeed · HR
João Silva
Indeed · HR
