Senior Credit Policy Analyst

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🕒 June 27

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Koin

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2014

💳 Fintech

🔐 Security

☁️ SaaS

Fintech • Security • SaaS

Koin is a Brazilian payments and fraud-prevention company that provides AI-powered anti-fraud solutions and payment products for merchants, including Pix parcelado (BNPL) and a payment gateway. It helps e-commerce businesses increase conversion and reduce fraud losses by combining machine learning, expert rules, real-time detection and recovery strategies, and operates as a licensed payment institution/correspondent under Brazilian regulations.

📋 Description

• Define and structure credit granting criteria and customer approval policies for the company's financial products. • Track and design performance indicators related to credit granting, customer performance and delinquency. • Develop proposals for changes to the credit policy to optimize customer approvals while maintaining credit quality controls. • Prepare materials and presentations for the company's Executive Committee on the performance of credit policy rules. • Maintain system-level control of credit approval rules. • Collaborate with other teams to align strategies and ensure consistency across the credit cycle. • Monitor the performance of commercial partnerships and propose actions to optimize results. • Cluster customer profiles and develop variables to improve the application of credit rules and customer segmentation.

🎯 Requirements

• Degree in Engineering, Economics, Statistics, or a related field • At least 3 years of experience working with credit granting policies • Knowledge of the consumer (personal) credit market • Advanced experience using Excel • Prior knowledge and use of SQL (advanced) • Knowledge of financial mathematics is desirable • Spanish language skills are a plus

🏖️ Benefits

• Life insurance • Health and dental insurance • Commuter/transportation allowance • Meal and food allowances (VR + VA) • Childcare assistance • Extended parental leave • Access to Total Pass or Wellhub • WFA (Work From Anywhere) • Discounts on Decolar.com • Golden Farma benefits • Home office allowance