Senior Corporate Credit Policy Analyst

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Afinz

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💳 Fintech

🏦 Banking

🛍️ eCommerce

Fintech • Banking • eCommerce

Afinz is a financial solutions provider offering a wide range of services including credit cards, investment simulations, financial automation, and personalized financial solutions for both businesses and individuals. With features such as recurring payments, receivables management, and various insurance products, Afinz aims to cater to the financial needs of its customers through its mobile app and digital platforms, ensuring ease of access to services and support.

📋 Description

• Review, develop and keep up to date corporate (PJ) credit policies for products such as card issuance, receivables factoring/advance, working capital and acquiring; • Ensure correct application of policies across the entire credit lifecycle, from origination to portfolio monitoring; • Define and monitor eligibility criteria, limits, terms, collateral, exposures and approval authorities by product and segment; • Monitor credit indicators (delinquency, losses, concentration, limit utilization and profitability), proposing adjustments when necessary; • Perform economic and financial analyses of companies and sector studies to support policy recommendations; • Act as a technical reference for questions and alignments with partner areas; • Prepare and present technical and executive materials for Credit Committees and governance forums; • Assess the impact of macroeconomic, regulatory and market scenarios on credit policies; • Contribute to the continuous improvement of corporate credit processes and controls.

🎯 Requirements

• Bachelor’s degree in Business Administration, Economics, Accounting, Engineering, Statistics or related fields; • Proven experience with corporate (PJ) credit, credit policies or risk, preferably in financial institutions; • Knowledge of corporate financial products, such as credit cards, receivables factoring/advance, working capital and acquiring; • Strong financial statement analysis skills (Balance Sheet, Income Statement and Cash Flow); • Experience in defining and reviewing credit policies, including approval criteria, limits, collateral and rating/score models; • Advanced Excel and familiarity with data and BI tools (Power BI, SQL or similar); • Experience working with credit committees and formal governance structures (differential); • Postgraduate degree or specialization in Finance, Risk or Credit (differential); • Analytical profile, business acumen, autonomy and good communication skills.

🏖️ Benefits

• Meal and/or Food Allowance • Transportation allowance • Life Insurance • Dental coverage • Health insurance: fully paid by the company for the employee and 50% of the plan for legal dependents • Wellhub: a health and wellness benefit that provides access to gyms, studios, apps and personal trainer services • Wedding: extra days off for your honeymoon and a gift voucher from Afinz • Birthday: reduced working hours on your birthday so you can enjoy time with your loved ones • Sesc partnership: access to a wide range of programs nationwide, including courses, cultural events, holiday camps, sports activities, health services and excursions, extended to your family • Educational incentives: partnerships with educational institutions providing discounts on undergraduate, graduate and continuing education courses • Nursing room: a reserved space for breastfeeding • Relaxation area: an exclusive space for socializing and decompressing • Partnership with parking facilities: discounts on monthly fees or daily rates at private parking lots near the building