Senior Credit and Risk Policy Analyst

Description

Job Summary: Responsible for designing, maintaining, and monitoring credit and risk policies, supporting data-driven decision-making with a focus on profitability and loss mitigation. Key Highlights: 1. Develop and monitor credit policies for various customer profiles. 2. Monitor risk indicators and conduct portfolio performance analyses. 3. Collaborate with strategic areas such as Collections, Products, and BI. **Position Objective** Design, maintain, and monitor the company’s credit and risk policies, supporting decision-making through quantitative and qualitative analyses, with emphasis on profitability, loss mitigation, and sustainable portfolio growth. **Key Responsibilities** * Develop, review, and monitor credit policies for different customer profiles and products; * Monitor risk indicators, delinquency, approval rates, fraud, and portfolio profitability; * Conduct performance analyses of loan vintages, customer behavior, and policy change impacts; * Propose credit granting strategies, credit limit increases, and risk segmentation approaches; * Support impact studies and simulations to define commercial and risk strategies; * Build and automate management reports and dashboards; * Collaborate with Collections, Products, Sales, BI, and Technology teams; * Ensure compliance with internal policies, regulatory requirements, and sound risk management practices. **Requirements** * Bachelor’s degree in Business Administration, Economics, Statistics, Engineering, Mathematics, Data Science, or related fields; * Prior experience in credit, risk, policy development, or analytics; * Knowledge of data analysis and risk indicators; * Intermediate/advanced proficiency in SQL; * Proficiency in Excel and data visualization tools; * Analytical, critical, and results-oriented mindset. **Preferred Qualifications** * Experience with credit models, scoring systems, or collections strategies; * Knowledge of Python, SAS, or Power BI; * Experience in financial services, fintech, or retail sectors; * Familiarity with strategy testing and KPI monitoring. WORK SCHEDULE * Monday to Friday, from 08:00 to 17:48. BENEFITS * AV Card – Exclusive discounts on in-store products * Transportation voucher * SulAmerica health insurance * Meal/voucher allowance (VA/VR) * Shuttle service from Morumbi/Brooklin metro stations to the office * Birthday day off * Flexible dress code * Wellz (Corporate mental health program) * Creditas (Financial services platform) * Learning platform * Sesc partnership * Educational partnerships * Partnerships with restaurants, hair salons, and stores near the office Minimum Education Level: Bachelor’s Degree