We are **PAN** Agile, flexible, and creative, we explore possibilities with enthusiasm and a strong desire 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—valuing closeness in relationships as the bond connecting each individual. Our mission is fulfilled when we transform others' lives through our expertise. Our cultural pillars reinforce our visionary mindset and drive to act: **Intensity, Nonconformity, Efficiency, Team Spirit, and Integrity.** **We are your financial ally, delivering intelligent solutions that help you achieve your goals securely and confidently.** **Key Challenges:** The Credit area at PAN is strategic for retail, responsible for decisions underpinning essential products such as vehicle financing, payroll-deductible loans (consignado), and banking products like credit cards and personal loans. The technology team transforms business strategies into high-performance solutions, ensuring efficiency and innovation across the bank. **Vehicle Credit & Consignado Credit** * Credit policy creation and maintenance: developing rules and models that define the credit criteria applied to the bank’s financial products, ensuring market competitiveness. * Critical credit analysis systems: responsible for structuring credit policies for vehicle and consignado products, safeguarding the integrity and profitability of the bank’s operations. Highly critical systems demanding reliability and precision. * High-volume and complex operations: implementing scalable solutions to support large transaction volumes, with advanced observability and full decision traceability. * Technical challenges: maintaining SLAs for mission-critical systems, architectural and performance excellence, integration with multiple services across the bank’s ecosystem, and continuous evolution of credit policies to meet strategic and regulatory demands. **Pricing** * Pricing policy creation and maintenance: developing rules and models that define the rates applied to the bank’s financial products, ensuring market competitiveness. * Critical rate and spread calculation system: responsible for determining pricing for credit products, guaranteeing profitability of the bank’s operations. A highly critical system requiring reliability and precision. * High-volume and complex operations: implementing scalable solutions to support large transaction volumes, with advanced observability and full decision traceability. * Technical challenges: maintaining SLAs for mission-critical systems, architectural and performance excellence, integration with multiple services across the bank’s ecosystem, and continuous evolution of pricing policies to meet strategic and regulatory demands. **What You’ll Learn and Impact** * End-to-end credit origination process: eligibility, pricing, offer, collateral management, and revolving credit. * Policy-as-code: translating credit rules into high-performance, traceable, and governable services. * Sustaining the credit engine, integrating with multiple credit bureaus, optimizing batch policies, and monitoring exposure. * Collaborating with predictive risk and default models for more accurate and scalable decisions. * Direct impact on PAN’s essential products. * A work environment bridging technology and business, featuring real-world challenges, accelerated learning, and advanced use of Machine Learning and intelligent dashboards. **Key Competencies for This Role?** * Degree in Engineering, Computer Science, or related fields (graduated or nearing completion). * Strong logical reasoning and analytical ability. * Proactivity and eagerness to learn. * Solid knowledge of algorithms, data structures, and time/space complexity. * Understanding of software architecture, trade-offs, and best practices (clean code, design patterns, testing). * Knowledge of Object-Oriented Programming, design patterns, and coding best practices. * Experience with Python; .NET Core is desirable. * Solid SQL knowledge (optimized queries and performance analysis). NoSQL database experience is a plus. * Microservices architecture and messaging systems. * Familiarity with Git and source code versioning. **Desirable Requirements** * Interest in or experience within the financial sector. * Knowledge of event-driven architecture and cloud computing. * Valuing programming fundamentals (concepts and logic) over specific languages. * AWS knowledge (EKS, SNS, SQS, Lambda, API Gateway, RDS, CloudFormation, CloudWatch, S3\). * Intermediate English **Work Model**: Hybrid (2 days per week onsite at the office, 3 days remote) **PAN Benefits:** * Bonus / Profit Sharing (PLR) * Meal Voucher * Food Voucher * 13th-month Food Voucher * Health Insurance (private hospital room for employee and dependents) * Dental/Orthodontic Plan * On-site Medical Clinic * Unlimited Telemedicine via Dr. Alper (Einstein Conecta) * Life Insurance ❤ * Discounts at over 10,000 pharmacies * 4 psychotherapy sessions per month * Extended Family Leave (Primary caregiver: 6 months; Co-caregiver: 30 days) * Childcare/Babysitter Allowance * AcomPANha (prenatal support program) * Wellhub/Totalpass * Assistive Technology Allowance (85% reimbursement for employees with disabilities) * Development Programs Massage and Auriculotherapy ️ * ️ On-site Beauty Salon * ️ * PAE (Legal, Financial, Psychological, and Social Counseling) * Discount Portal across multiple sectors (Allya) * Vaccination Campaign (for employees and dependents) * Vehicle Financing Facilitation (subject to analysis) * PAN Credit Card with differentiated limit (subject to analysis) * Transportation Voucher (only 4% deduction) * Funeral Assistance
João Silva
Indeed · HR
João Silva
Indeed · HR
