Product Analyst III – Real Estate Lending

🕒 August 25

🇧🇷 Brazil – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🔍 Product Analyst

👻 Ghost score 11%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Cooperativa Central Ailos

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2002

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Cooperativa Central Ailos is a cooperative organization that focuses on providing accessible financial services to its members, ensuring inclusivity and support for various communities. The organization emphasizes user-friendly interfaces and high contrast accessibility features, catering to a diverse clientele.

📋 Description

• Provide specialized support for real estate lending products, processes, and systems • Interpret and apply regulations, rules, and operating procedures related to the SFH, SFI, FGTS, housing programs, and home equity • Provide technical consulting to affiliated cooperatives and internal departments • Structure, detail, and track product enhancement requests, projects, and business requirements • Analyze and resolve incidents, exceptions, and complex issues related to real estate lending operations • Monitor regulatory changes, risks, and operational impacts, proposing adjustments when necessary • Serve as a liaison between business, technology, vendors, and control functions • Share technical knowledge and support the development of professionals within the department

🎯 Requirements

• Bachelor's degree in Business Administration, Economics, Law, Accounting, Engineering, Technology, or related fields • Graduate degree preferred • Strong experience in real estate lending, with knowledge of products, operations, and processes • Thorough knowledge of rules and concepts applicable to the SFH, SFI, FGTS, and housing programs • Knowledge of the complete real estate financing lifecycle, from origination through loan servicing • Ability to interpret regulations and translate regulatory requirements into processes, controls, and business requirements • Experience analyzing complex problems, managing incidents, and handling operational exceptions • Experience gathering requirements, improving processes, and contributing to projects • Analytical ability to assess risks, impacts, and business opportunities • Strong interpersonal and communication skills, including strategic presentations, across business, technology, vendor, and cooperative teams • Experience with regulatory projects, audits, compliance, or risk management • Experience in credit cooperatives, banks, fintechs, or platforms specializing in real estate lending is a plus • ABECIP CA-600 certification is a plus • Knowledge of real estate collateral and its impact on provisioning and product profitability is a plus • Experience with real estate lending origination and management platforms, such as Prognum, is a plus • Experience with product management, backlog management, and agile methodologies is a plus

🏖️ Benefits

• Medical Insurance • Dental Insurance • Renascer Program • Special Occasion Benefits • Education Investment • Profit-Sharing Program • Individual Development Plan • Private Pension Plan • Life Insurance • Time Together • Meal and/or Food Voucher • Transportation Voucher • Childcare/Nanny Assistance