Analista de Estratégia de Crédito Pleno
R
Randon ConsórciosFinancial Services
BrazilFull-TimeMiddle
Salary not disclosed
Apply NowOpens the employer's application page
Job Details
- Required Skills
- SQLBusiness IntelligenceData AnalysisMicrosoft Power BIMicrosoft Excel
Requirements
- Completed undergraduate degree.
- Intermediate knowledge of Excel.
- Intermediate SQL skills, with the ability to extract, manipulate, and analyze relevant business data.
- Intermediate Power BI knowledge and experience developing analytical dashboards and reports.
- Knowledge of applied statistics for business analysis.
- Understanding of financial products and credit operations.
- Ability to analyze complex datasets, identify patterns and inconsistencies, and translate findings into practical business recommendations.
- Strong analytical mindset with a critical approach to risk, portfolio performance, and business decisions.
- Experience working with credit risk, collections, portfolio management, or related analytical functions is valuable.
- Knowledge of Python, Databricks, and automation or ETL tools is desirable.
- Familiarity with credit risk and collections indicators is a plus.
- Experience with project management is advantageous.
Responsibilities
- Analyze the performance of credit and collections portfolios, identifying trends, deviations, risks, and opportunities for improvement.
- Monitor strategic and operational indicators related to credit approval, delinquency, recovery, losses, profitability, and portfolio efficiency.
- Develop customer and portfolio segmentation studies to support differentiated credit, collection, renegotiation, and recovery strategies.
- Continuously evaluate existing credit policies and strategies, recommending adjustments to operational parameters, decision flows, approval limits, and collection initiatives.
- Track portfolio performance indicators such as vintage analysis, roll rates, recovery rates, approval rates, over 30/60/90 indicators, net losses, and other relevant risk metrics.
- Develop, automate, and enhance dashboards, executive reports, and analytical routines while ensuring business rules and information governance are correctly applied.
- Analyze collection campaigns and recovery initiatives, assessing their effectiveness and financial return.
- Conduct projections, simulations, and scenario analyses to support strategic planning and decisions involving portfolio expansion, profitability, and risk.
- Evaluate credit and collections suppliers and partners, identifying opportunities to improve performance, reduce costs, and increase operational efficiency.
- Prepare executive presentations, technical assessments, and management materials to support leadership, committees, and board-level decisions.
View Full Description & ApplyYou'll be redirected to the employer's site
