Financial Risk Specialist

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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 • Retirement plans • Flexible work arrangements • Professional development