Senior Credit Risk Analyst specifying strategies for maintaining automated credit concessions at Unicred. Collaborating with modeling team and presenting strategies to executives.
Responsibilities
Specify rules and strategies for automated credit approval and maintenance for individuals and corporate customers (pre-approved credit);
Work in partnership with the modeling team, using statistical models (application, behavior, expected loss, assumed income/revenue, among others) to formulate credit strategies;
Conduct threshold analysis and backtesting of new models to optimize the portfolio risk/return relationship;
Monitor approval, delinquency, expected loss, model quality and other indicators, addressing root causes when deviations from known or budgeted levels are observed;
Present new strategies, studies, indicators and alerts related to credit strategies in executive forums;
Provide excellent service, deliver technical consulting and conduct training for affiliated cooperatives.
Requirements
Experience working with mass-market credit strategies;
Degree in Business Administration, Accounting, Economics, Statistics, Engineering, or related fields;
Advanced programming skills, especially Python and SQL.
Benefits
Profit-sharing (PPR);
Meal and food allowance;
Private pension plan with company contribution;
Life insurance;
Medical and dental plan (employee and dependents);
Childcare subsidy (nursery/babysitter);
Home office / hybrid work allowance;
Gympass;
English Pass;
Zenklub (emotional and mental well-being platform) - extendable to dependents;
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