Senior Credit Data Analyst
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Job Description
Analista de Dados Sênior desenhando políticas e indicadores de crédito para cliente de grande porte da PowerOfData. Monitoramento de risco, scores e testes A/B para decisões de negócio.
Responsibilities:
- Design, test, and refine credit policies (underwriting, credit limits, and cutoff rules), measuring the impact of each change on approval rates, risk, and business results
- Build and maintain tracking for credit KPIs, including approval rate, vintage delinquency, FPD, over 30/60/90, roll rate, and loss
- Investigate KPI deviations, identify root causes, and present clear recommendations to the business team
- Monitor the performance of models and scores used in credit policy (KS, Gini, PSI) and identify when recalibration is needed
- Structure A/B tests and champion/challenger testing for credit policies
- Present analyses to managers and business teams, translating numbers into actionable decisions
- Serve as a technical reference for junior analysts by reviewing code and analyses
Requirements:
- Solid experience—typically 5 or more years—in credit data analysis within banking, fintech, retail, or telecommunications
- Practical experience with credit policy, including proposing, implementing, and monitoring policy changes
- Strong command of key credit risk indicators and vintage analysis
- Advanced SQL and Python for data analysis (pandas, NumPy)
- SAS
- Strong statistical foundation
- Ability to explain complex analyses clearly to non-technical audiences
Benefits:
- Cost-of-living allowance
- Health insurance
- Dental insurance
- Meal voucher
- Home office allowance
- Gympass
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