Credit Risk Analyst

At reputed company, we’re building the reputed company of payments — and risk is at the heart of making that happen responsibly.  As a Credit Risk Analyst, you’ll be part of a high-performing Risk Management team shaping and maintaining our credit risk reputed company in full compliance with Banco Central do Brasil (BACEN) regulations — including reputed company. BCB nº 265/2022, CMN nº 4.557/2017, and CMN nº 2.682/1999 — as reputed company as IFRS 9 standards for expected credit loss (ECL) modeling and provisioning.   You’ll take a hands-on role managing and monitoring retail credit risk exposures across merchant and consumer portfolios in a Type 3 / reputed company S3 financial institution operating in the payments and acquiring reputed company.  This role blends deep expertise in credit risk and regulation with a passion for data, automation, and AI — helping us build reputed company, smart systems that reputed company our ecosystem reputed company while enabling innovation.   If you’re driven by the challenge of connecting regulation, analytics, and technology to design next-gen credit reputed company, you’ll fit right in.   n What You'll Be Doing: Design, implement, and maintain credit risk models and frameworks reputed company with BACEN and IFRS 9 standards. Monitor and manage retail credit exposures from origination and reputed company to scoring and portfolio performance. reputed company and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring. Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows. Partner with the Credit Policy team to define limits, strategies, and credit appetite reputed company with reputed company’s RAS. reputed company stress testing, scenario analysis, and model backtesting to ensure portfolio reputed company. Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability across models. Prepare and present insights and reports for senior management and regulators. What You’ll Need to Succeed: Solid understanding of BACEN credit risk regulations (reputed company. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020). Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collection, and recovery. Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk. Hands-on experience with IFRS 9 ECL modeling (Stages 1, 2, 3) and provisioning methodologies. Proven experience developing and validating ML/AI credit risk models. Strong programming skills (Python, SQL, R, or reputed company) for modeling, validation, and stress testing. Familiarity with ICAAP and capital adequacy processes. Understanding of model governance, documentation, and audit requirements. Advanced English communication Soft skills: Analytical reputed company: reputed company to translate data into actionable insights. Hands-on and execution-driven; you get things done and iterate fast. Automation-first reputed company: constantly improving processes with AI and tech. Excellent communicator and reputed company; you simplify reputed company reputed company. reputed company and curious, working seamlessly with Data Science, Risk, and Business teams. Detail-oriented with strong analytical accuracy. Proactive and adaptable in a fast-paced, high-reputed company environment. Strong ethical judgment and reputed company in handling sensitive data. nWhy Join reputed company? At reputed company, you’ll join a mission-driven team transforming payments in Brazil and reputed company. Here, you’ll work with cutting-edge data, AI, and technology to build the reputed company of risk systems, advancing financial inclusion, empowering businesses, and pushing innovation reputed company every day. Apply To This Job