Junior Credit Analyst

🕒 6 days ago

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Mycon

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2019

💸 Finance

💳 Fintech

👥 B2C

Finance • Fintech • B2C

Mycon is a digital consortium administrator that enables clients to purchase assets such as real estate, vehicles, and services through a structured group purchasing method. By offering consórcio plans without interest or down payments, Mycon provides a more economical alternative to traditional financing. Clients can simulate their options and manage their consórcio entirely through the Mycon app, benefiting from low administrative fees and a transparent process governed by the Brazilian Central Bank.

📋 Description

• Perform credit analysis for awarded consortium participants (individual - PF and corporate - PJ) to authorize the release of the letter of credit. • Perform credit analysis for transfers of quotas of awarded consortium participants (individual - PF and corporate - PJ) to authorize the release of the letter of credit. • Assess payment capacity through analysis of income, financial commitments (debt burden) and credit history. • Query and analyze information from credit bureaus (Serasa, SPC, etc.). • Support validation of documentation and compliance of operations. • Issue credit opinions in accordance with internal policy. • Monitor outstanding documentation and request additional information from consortium participants or internal departments. • Support maintenance and updating of records and registrations in the system. • Follow the rules, policies and procedures of the credit area and insurer. • Assist in identifying inconsistencies or risks in analyzed applications. • Ensure analyses comply with Central Bank regulations and the administrator's internal policies. • Support fraud prevention and the identification of inconsistencies in applications. • Record and track analyses in the administrator's internal systems.

🎯 Requirements

• Experience with credit analysis processes (including Serasa checks and financial indicators). • Experience with various tools for credit analysis. • Experience in credit analysis for corporate clients (PJ). • Experience with the Newcon system. • Familiarity with credit bureaus. • Advantage: Knowledge of consortiums (rules and regulations). • Strong knowledge of Microsoft Office (Excel).

🏖️ Benefits

• Flexible meal/food allowance - Swile card. • Medical insurance. • Dental insurance. • Life insurance. • Home office allowance. • Transportation voucher. • Birthday day off. • TotalPass. • Zenklub. • Benefit on Consortium Professional Day. • 0% fee on our products (employees only). • PPR (annual performance bonus) according to targets established in the annual program. • Partnership with an educational institution offering discounts for postgraduate courses. • Access to Udemy Business after 6 months, 100% company-paid. • Partnership with Sesc.