Analista de Dados de Negócio Pleno (Crédito)

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JobgetherCrédito financeiro

Based in BrazilFull-TimeMiddle

Salary not disclosed

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Job Details

Hold a bachelor's degree in Business Administration, Accounting, Economics, or a related field.
Be currently pursuing postgraduate studies in Data Analytics, Data Science, Data Governance, Strategic Management, or a related discipline.
Have advanced Excel skills, including complex spreadsheets, advanced formulas, pivot tables, charts, dashboards, and automation features.
Have advanced knowledge of SQL and Python for data extraction, processing, manipulation, and analysis.
Have experience with statistical tools and methodologies for interpreting data and generating business insights.
Be familiar with Databricks and ServiceNow for data consultation, integration, and information management.
Understand credit processes, including portfolio performance, delinquency monitoring, credit analysis, and operational workflows.
Have knowledge of process automation and data project management, particularly operational-efficiency initiatives.
Demonstrate analytical and critical-thinking skills to interpret complex datasets and translate findings into business recommendations.
Have communication and stakeholder management skills for collaboration with technical and business teams.
Demonstrate organizational skills, attention to detail, autonomy, and a proactive approach to continuous improvement.

Analyze credit portfolios, including performance, delinquency rates, decision accuracy, geographic markets, and customer segments.
Conduct capacity, productivity, and workforce planning studies, including team sizing, SLAs, and business growth projections.
Analyze credit decisions, business opportunities, renegotiations, restructuring, rework, and exceptions to credit policies.
Provide credit analysis, formalization, and operations teams with data, indicators, reports, and actionable insights.
Improve data processing, management, and utilization to support strategic and operational decisions.
Support the development, review, and updating of internal credit lifecycle standards, manuals, and policies.
Monitor credit operations workflows and demand volumes to identify opportunities to improve service quality, efficiency, and response times.
Track market developments, sector delinquency trends, and economic indicators for credit risk analysis and business planning.
Design, develop, and implement improvements to credit processes and operational workflows.
Collaborate with multidisciplinary teams to turn analytical findings into practical recommendations and business improvements.

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