Senior Credit Analyst
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Job Description
Key role in shaping and executing RecargaPay’s credit strategy for Brazilian market. Responsible for data-driven decisions to ensure sustainable growth and improve customer experience.
Responsibilities:
- Work in the Credit Policy and Strategy area.
- Propose improvements, changes, and continuous testing to enhance the Credit Policy.
- Analyze and monitor ongoing tests, generating the necessary insights to support decision-making.
- Continuously iterate on credit rules and product strategies to achieve the vertical’s goals and targets.
- Maintain and monitor credit indicators and reports (origination, maintenance).
- Collaborate with other teams to improve credit assessment processes and onboarding flows, reducing friction and increasing conversion.
- Build a close partnership with the Product team to analyze, understand, and propose strategies and adjustments to optimize the product.
- Track and monitor the performance of models developed by the Data Science team.
Requirements:
- Degree in Finance, Economics, Business Administration, or a related field.
- Experience in credit or credit risk, within banks or financial institutions. Experience in fintechs is a plus.
- Strong knowledge of credit assessment and analytical tools.
- Analytical skills and ability to work with large datasets (preferably SQL and Python).
- Excellent communication skills and ability to work collaboratively in matrixed and horizontal structures.
- Proactivity and ability to make informed decisions.
- Good communication and self-sufficiency.
- Familiarity with numbers and strong analytical skills.
- Deep knowledge of financial industry rules and regulations.
Benefits:
- Competitive and market-aligned salary.
- Remote work — wherever you are, you’re part of the team!
- Home office allowance through a monthly deposit in the RecargaPay app.
- Health and dental plans with no co-pay.
- Life insurance.
- Flexible meal allowance (via Flash).
- TotalPass membership to take care of your health.
- Language classes.
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