Senior Portfolio Analyst

🕒 July 22

🏢🏡 São Paulo – Hybrid

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 26%

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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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

• Support end-to-end design of granting, limit-setting, and maintenance policies for the launch of new consumer credit products. • Conduct market studies, analytical tests, and risk/return scenario simulations to underpin the strategic assumptions for new products. • Ensure smooth integration of credit rules into the onboarding workflow and the user experience (UX). • Define success KPIs, monitor early-stage tests (MVP), and implement agile improvements to credit policies based on initial customer behavior.

🎯 Requirements

• Bachelor's degree in Engineering, Economics, Statistics, or related fields. • Minimum of 2 years' experience in consumer credit (Credit Card, Personal Loan, Payroll-Deductible Loan, or Financing) and in portfolio management/analysis. • Proven experience in collections, credit recovery, credit risk analysis, or related areas — preferably in financial institutions, fintechs, or lending companies. • Strong knowledge of the consumer credit market and experience with Credit Card products. • Advanced proficiency in SQL. • Advanced proficiency in Microsoft Excel. • Experience building dashboards (Power BI, Tableau or similar) for monitoring KPIs. • Curious and proactive approach to using Artificial Intelligence to enhance day-to-day deliverables. • Desirable: Knowledge of IFRS 9 accounting standards. • Knowledge of Resolution/Law 4.699.

🏖️ Benefits

• Life insurance • Health and dental insurance • Transportation allowance • Meal (VR) and Food (VA) allowance • Childcare assistance • Extended parental leave • TotalPass or Wellhub • WFA (Work From Anywhere) • Discounts on the Decolar.com platform • Golden Farma • Home office allowance