Analista de Crédito Sênior (Foco em BigOps)
J
JobgetherFintech credit operations
Based in BrazilFull-TimeSenior
Salary not disclosed
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Job Details
- Experience
- Previous professional experience in credit analysis or credit operations.
- Required Skills
- Microsoft ExcelPowerPoint
Requirements
- Previous professional experience in credit analysis or credit operations.
- Experience conducting corporate credit analysis (B2B/PJ), preferably involving medium-sized and large companies.
- Bachelor's degree in Business Administration, Economics, Accounting, or a related field.
- Postgraduate studies currently in progress in Finance, Credit and Collections, Economics, or a related discipline.
- Intermediate to advanced proficiency in Microsoft Office, particularly Excel and PowerPoint.
- Ability to interpret financial indicators and assess credit applicants' financial conditions.
- Practical experience analyzing financial statements and supporting documentation, including Balance Sheets, Income Statements (DRE), revenue figures, and Central Bank Credit Information System reports (SCR).
- Knowledge of credit bureaus and external credit information for risk assessments.
- Strong financial and accounting analysis skills, including identifying risks and making well-supported credit recommendations.
- Ability to present complex financial information clearly and in a structured way.
- Negotiation and stakeholder management skills when interacting with clients, commercial teams, and business partners.
Responsibilities
- Conduct detailed financial and accounting analyses of large companies and high-value business operations.
- Prepare credit assessments, technical opinions, dossiers, recommendations, and presentation materials, including PowerPoint presentations.
- Communicate with internal and external clients and business partners about credit operations and customer activities.
- Evaluate new and increased credit-limit requests for receivables advances.
- Handle internal service requests and resolve operational and credit-related demands.
- Review granted credit limits and monitor companies' financial capacity, performance indicators, and risk profiles.
- Monitor large corporate portfolios for early warning signals, changes in financial conditions, and unusual operational behavior.
- Identify process improvements and incorporate AI-powered tools to reduce manual work and improve productivity and accuracy.
- Develop and monitor operational metrics and tracking spreadsheets.
- Participate in credit committees and communicate financial assessments and recommendations.
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