Credit Risk Analyst

🕒 Junho 16

Candidatar-se

Encontrar Vagas Remotas Similares

Configurar Alerta de Email para Novas Vagas

📊 Verifique sua pontuação de currículo para esta vaga

Melhore suas chances de conseguir uma entrevista verificando sua pontuação de currículo antes de se candidatar.

Enviar Currículo

CloudWalk, Inc.

SiteLinkedInTodas as Vagas

201 - 500 funcionários

💳 Fintech

🤖 Inteligência Artificial

💰 $150.000.000 Series C em 2021-11

Fintech • Blockchain • Artificial Intelligence

CloudWalk, Inc. tem como foco revolucionar a indústria de pagamentos, democratizando os serviços financeiros e empoderando empreendedores por meio de soluções inovadoras. Sua missão é criar uma rede de pagamentos justa e tecnologicamente avançada na Terra e além. Utilizando IA e blockchain, a CloudWalk oferece produtos como o InfinitePay, uma plataforma financeira que atende empresas no Brasil, e o JIM, um sistema de pagamentos instantâneos nos EUA. A Stratus, sua blockchain de alta performance, dá suporte a redes globais de pagamentos. A CloudWalk enfatiza o engajamento do cliente e modelos econômicos disruptivos para transformar a maneira como os comerciantes vendem e lucram.

Descrição

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards. • Monitor and manage retail credit exposures from origination and underwriting to scoring and portfolio performance. • Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring. • Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows. • Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s RAS. • Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience. • Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability across models. • Prepare and present insights and reports for senior management and regulators.

🎯 Requisitos

• Solid understanding of BACEN credit risk regulations (**Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020**) • Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collection, and recovery. • Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk. • Hands-on experience with **IFRS 9 ECL modeling** (Stages 1, 2, 3) and provisioning methodologies. • Proven experience developing and validating **ML/AI credit risk models**. • Strong programming skills (**Python, SQL, R, or SAS**) for modeling, validation, and stress testing. • Familiarity with **ICAAP** and capital adequacy processes. • Understanding of **model governance**, documentation, and audit requirements. • Advanced English communication

🏖️ Benefícios

• Health insurance • Flexible work arrangements • Professional development opportunities