Senior Credit Modeling Analyst

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Efí Bank

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2007

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Efí Bank is a modern banking institution focused on providing innovative financial solutions and services to meet the evolving needs of individuals and businesses. With a commitment to digital transformation, Efí Bank leverages technology to enhance the banking experience, offering a wide range of products including savings accounts, loans, and investment options. Their mission is to democratize financial access and create value for their customers through tailored banking solutions.

📋 Description

• Develop, implement, monitor, and recalibrate statistical and machine learning models focused on credit granting and profitability. • Participate in credit decision-making processes, including recommending credit limits and payment terms. • Collaborate in drafting, analyzing, reviewing, and updating the company's credit policies, taking into account market best practices and applicable regulations. • Monitor newly implemented policies from both operational and performance perspectives, analyzing short-term indicators of new cohorts. • Conduct regular portfolio analyses to identify trends, risks, and opportunities for improvement. • Work closely with the credit desk, collections, finance, and systems/IT teams to ensure consistency of policies and processes. • Prepare analytical reports and presentations for senior management and internal stakeholders. • Serve as a technical reference for the team, sharing knowledge and supporting the development of advanced analyses and models.

🎯 Requirements

• Bachelor's degree in Statistics, Economics, Engineering, or a related field; • Experience in banks, financial institutions, payment institutions, and/or fintechs; • Strong experience in credit modeling; • Prior knowledge of credit analysis tools, statistical/computational models, and credit management platforms; • Advanced knowledge of Python, R, Databricks, and/or similar tools; • Experience working with and analyzing large volumes of data; • Familiarity with credit regulation and compliance. • ✨ Differentials: • Previous experience with credit policies; • Postgraduate degree in Statistics, Data Science, or related fields.

🏖️ Benefits

• Reduced 32-hour workweek: 32 hours per week for employees with time tracking; • Shared-cost health plan for employees and dependents; • Clude Saúde: online medical care and other health solutions; • Co-pay dental plan for employees and dependents; • Meal and food allowance via the Eva Card flexible benefits card, averaging R$ 1,600.00 per month; • Wellhub: corporate physical activity platform focused on quality of life and well-being, providing access to partner gyms and studios for employees and dependents; • Home office allowance of R$ 140.00 per month; • Work infrastructure (equipment/support); • Birthday day off; • Corporate University; • Tuition assistance for employees and dependents, according to company policy; • Language-course subsidy for employees, according to company policy; • Extended maternity leave of 7 months and extended paternity leave of 30 days, also available to adoptive parents; • Life insurance; • Emotional health program and discounts on psychological care for employees and dependents via the Moodar platform; • Benefits club with exclusive discounts and partnerships for Efí employees.