Credit Analyst II responsible for underwriting and monitoring credit at Fifth Third Bank. Partnering with Portfolio Managers and conducting financial analysis to assess risks and recommendations.
About the role
- Commercial Planning Analyst managing cost responsibilities in the B2B division in São Paulo. Joining a team focused on strategic cost management and financial analysis.
Responsibilities
- Lead the budget cycle for your assigned cost portfolio, conducting short- and long-term exercises in coordination with internal areas and group companies.
- Prepare and consolidate financial data, building projections based on revenue, trends, and incremental factors, and map risks and opportunities strategically.
- Develop budget defenses, supporting analyses with solid data to aid decision-making.
- Execute monthly closings, ensuring alignment with plans and investigating variances through accounting analyses, provisions, reclassifications between cost centers, etc.
- Handle and cross-reference large volumes of data, turning them into relevant insights and performance indicators for your portfolio.
- Anticipate financial deviations or risks, proposing solutions or acting proactively with internal areas.
- Maintain constant interface with internal departments such as B2B Segment Management, Accounting, Controlling, Finance, and others.
Requirements
- Preferred: Bachelor’s degree in Business Administration, Economics, Accounting, Finance, or related fields.
- Advanced Excel is essential — you will work with large datasets and must be highly proficient.
- Experience building financial analyses and KPIs is a strong differentiator.
- Knowledge of Power BI, BI & Analytics logic, and databases (SQL) is highly desirable — we value professionals who can turn data into strategic decisions.
- Investigative, curious, and proactive profile — we are looking for someone who not only executes tasks but asks questions, proposes improvements, and contributes to the team’s growth.
Benefits
- Choose the benefits that best suit you and your dependents through a digital platform with categories such as Gym, Meal Voucher (VR), Food Voucher (VA), Pharmacy Assistance, Medical and Dental Plans, and Life Insurance.
- Company smartphone — a brand-new device for you.
- Unlimited voice and data plan, including Vivo’s fastest 5G network.
- Exclusive Vivo offer with special discounts on landline, broadband, TV, and apps.
- Eligible to receive an annual Bonus or PPR (profit-sharing).
- Plan your future with a Private Pension Plan.
- If you have children: receive a subsidy to help with school, daycare, or babysitter expenses.
- Work in an environment that respects your personality, style, and identity, and where you can be authentic. #VemdeVocê
- Work remotely up to twice a week. #Mobility
- Flexible working hours.
- Enjoy a day off (Day Off) to celebrate your birthday.
- Participate in one of the largest corporate volunteer programs to help make a difference in the world.
- Benefit from our Educational Development Program with partner institutions offering discounts, as well as certifications and online courses.
- Accelerate your career through our Internal Recruitment Program, in Brazil or abroad — we operate in more than 17 countries! #VivoMinhaCarreira
- Access initiatives to improve physical, emotional, and social well-being through #VivoBemEstar, including consultations with nutritionists, psychologists, social services, telemedicine, and more.
- All our vacancies are open to people with disabilities and/or those who have been rehabilitated. We have a culture that values diversity, differences, and people’s potential. #VivoDiversidade #VemPraVivo
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