Credit Policy and Strategy Analyst – Mid-Level

Job not on LinkedIn

🔥 14 hours ago

🇧🇷 Brazil – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Strategy

👻 Ghost score 12%

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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Omie

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2013

☁️ SaaS

💳 Fintech

🛍️ eCommerce

SaaS • Fintech • eCommerce

Omie is a cloud-based ERP system designed to simplify business management for small and medium enterprises. It offers comprehensive solutions for financial management, sales control, and inventory management, helping businesses to operate more efficiently and effectively. With features such as automated processes, real-time financial monitoring, and seamless integration, Omie empowers entrepreneurs to unlock their growth potential and streamline their operations.

📋 Description

• Create, test, and implement credit rules, decision matrices, and credit policies for the origination and limit management of Corporate Credit Cards and Receivables Financing. • Conduct analytical studies of the customer base to identify patterns, predict delinquency, and optimize scoring models. • Design specific decision strategies for Credit Cards and Invoice Discounting, balancing risk and commercial leverage. • Analyze revolving credit limits, debt capacity, spending behavior, and proactive credit-limit increases or reductions. • Analyze obligor and assignor risk, note settlement, portfolio concentration, and discount/re-purchase rates. • Monitor risk indicators (FPD, SPD, NPL) by channel, product, and score range using Vintage Analysis. • Design and monitor A/B tests and Champion/Challenger experiments for credit policies. • Translate statistical analyses into practical recommendations for Product, Data Engineering, and Sales teams. • Use data, statistics, and analytical intelligence to guide automated credit decisions and mitigate risks associated with financial products.

🎯 Requirements

• Bachelor’s degree in Statistics, Engineering, Economics, Mathematics, Data Science, or a strongly quantitative field. • Solid experience with credit strategies, policies, or analytics for the business segment (SMEs and corporate customers). • Proficiency in SQL for data extraction and manipulation. • Experience with Python for exploratory analysis and statistical modeling. • Knowledge of credit risk metrics (PD, LGD, EAD, Bad Rate, Transition Matrix).

🏖️ Benefits

• Dental Plan | Amil Dental • Health Plan | Bradesco Saúde • Mental Health Platform • Telemedicine Platform • Life Insurance | Prudential • Pharmacy Benefit • Fitness Allowance • Birthday Day Off • Flexible Meal Voucher • Home Office Allowance • Childcare Allowance • Transportation Voucher and Company Shuttle • Discount Platform (Allya, SwileShop, and Dell) • Educational Benefits • Travel Benefits • Pet Health Plan • SESC • Profit-Sharing and Results Program (PPRL)