Financial Risk Specialist

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CloudWalk, Inc.

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

🤖 Artificial Intelligence

💰 $150M Series C on 2021-11

Fintech • Blockchain • Artificial Intelligence

CloudWalk, Inc. is focused on revolutionizing the payments industry by democratizing financial services and empowering entrepreneurs through innovative solutions. Their mission is to create a fair and technologically advanced payment network on Earth and beyond. Utilizing AI and blockchain, CloudWalk offers products such as InfinitePay, a financial platform serving businesses in Brazil, and JIM, an instant payment system in the US. Stratus, their high-performance blockchain, supports global payment networks. CloudWalk emphasizes customer engagement and disruptive economic models to transform how merchants sell and profit.

📋 Description

• Design, implement, and maintain credit risk models and frameworks in compliance with BACEN and IFRS 9 standards. • Monitor and manage retail credit exposures across the lifecycle, 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. • Collaborate with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s Risk Appetite Statement (RAS). • Conduct stress testing, scenario analysis, and model backtesting to ensure portfolio resilience. • Work closely with Data Science, Finance, Compliance, and Fraud teams to ensure model consistency, explainability, and auditability. • Prepare and present insights and reports to senior management and regulators.

🎯 Requirements

• Strong knowledge of BACEN credit risk regulations (Resolution 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, collections, and recovery. • Experience in payments and acquiring, including merchant, settlement, and receivables-backed credit risk. • Practical experience with IFRS 9 expected credit loss (ECL) modeling across Stages 1, 2, and 3 and provisioning methodologies. • Proven track record 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 skills.

🏖️ Benefits

• Health insurance • Retirement plans • Flexible work arrangements • Professional development