Digital Strategy Analyst partnering with retail executives at Adobe to modernize customer journeys and improve operational efficiencies. Leading strategic initiatives and advising on AI - driven solutions.
About the role
- Senior Credit Analyst evaluating B2B counterpart credit risks in energy commercialization. Collaborating with teams to establish credit limits and governance policies.
Responsibilities
- Conduct credit analysis of counterparties (B2B) for energy commercialization transactions, assessing financial, sectoral and governance risk.
- Build, maintain and enhance the internal rating methodology (criteria, scorecards, weights, triggers, overrides and audit trail).
- Define and review credit limits, commercial terms (tenor, prepayment, collaterals/mitigants) and recommendations for approval by committees.
- Monitor exposure and concentration by counterparty/economic group, with a consolidated view (CNPJ root, parent companies, guarantors and related parties).
- Implement monitoring routines (watchlist) and risk early warnings: downgrades, material events, financial deterioration, news, protests/legal actions, corporate changes and critical indicators.
- Structure and govern credit and counterparty databases: master data, historical ratings, limits, exposures, guarantees and events, ensuring data quality and traceability.
- Automate and standardize update routines and reports (Power Query/SQL/Excel), reducing manual effort and increasing data reliability.
- Develop management reports and dashboards (Excel/Power BI) with risk KPIs: rating migration, limit utilization, concentration, top exposures, review aging, delinquency/default (when applicable).
- Prepare executive materials and concise opinions for decision forums (credit/risk committee/board), supporting recommendations with data and technical rationale.
- Work in partnership with Commercial/Trading/Legal/Treasury to support decision-making, suggesting risk mitigants and protective contract clauses when necessary.
- Support the definition and review of credit policies, procedures and governance (authority matrix, review cadences, documentation and internal controls).
- Strong experience with B2B/counterparty credit, economic-financial analysis and limit setting (preferably in energy, commodities, trading, financial services or capital-intensive industries).
- Practical experience in building/applying internal ratings, score models and risk classification criteria (with governance discipline and documentation).
- Proficiency in financial statement analysis (Balance Sheet, Income Statement and Cash Flow Statement), capital structure, liquidity, leverage, covenants and quality of cash generation.
- Ability to structure data and processes: advanced Excel (pivot tables, functions, modeling), Power Query; SQL for data extraction and processing is a strong differential (Python/R as a plus).
- Experience creating reports and dashboards (Power BI preferred), focused on actionable indicators and executive insights.
- Ability to consolidate information by economic group (CNPJ root, subsidiaries/associates), work with diverse data sources and ensure master data consistency.
Requirements
- Bachelor’s degree in Business Administration, Economics, Accounting, Engineering, Statistics, Mathematics or related fields.
- Solid experience in B2B counterparty credit, with work in economic-financial analysis, internal rating and limit setting (experience in energy/commercialization, trading, commodities or financial services is a plus).
- Strong command of financial statement analysis (Balance Sheet, Income Statement and Cash Flow Statement), including critical assessment of leverage, liquidity, coverage, capital structure, covenants and quality of cash generation.
- Advanced Excel (modeling, pivot tables, Power Pivot is a plus).
- Power Query (data processing, automations and light ETL).
- SQL (queries, joins, data treatment and extraction) — highly desirable.
- Power BI (dashboards and indicators) — desirable.
- Familiarity with ERP/CRM and data integration (e.g., SAP, Oracle, Dynamics, Salesforce etc.) — desirable.
- Certifications and courses in Corporate Finance, Credit Analysis, Credit/Counterparty Risk, Valuation or Financial Modeling.
Benefits
- Health and dental plan for you and your family (direct dependents);
- Life insurance to protect your present and future;
- Childcare allowance;
- Meal and food vouchers to recharge your energy;
- Commuter allowance to get to work safely OR
- Parking voucher, when necessary;
- Wellhub (formerly Gympass);
- Profit-sharing;
- Private pension plan;
- Platform with learning paths, content and training to boost each talent’s professional development;
- Go-Fluent language platform.
Job title
Job type
Experience level
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Degree requirement
Tech skills
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