Credit Policy Analyst – Senior

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ASAAS

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2010

🥽 AR/VR

📱 Media

🛍️ eCommerce

AR/VR • Media • eCommerce

ASAAS is a leading producer of 360° virtual tours in virtual reality. The company specializes in creating customized virtual tours, utilizing advanced technologies, including 360° video, drone technology, and interactive features, to enhance business visibility and engagement. With a commitment to quality and customer satisfaction, ASAAS offers immersive experiences for various industries, including schools, hotels, museums, and healthcare facilities, and aims to elevate online presence through innovative virtual solutions.

📋 Description

• Develop and review credit policies, ensuring compliance with business rules and regulatory standards; • Specify, implement and monitor internal policies and procedures, ensuring they are kept up to date and compliant with regulations; • Serve as a point of contact between Credit Origination/Underwriting, Monitoring, Collections/Recovery and Product teams, ensuring integration and consistency of policies and processes; • Lead credit-area projects; • Collaborate with the Data team to perform statistical analyses aimed at improving credit policies; • Prepare studies and review data, proposing changes and adjustments to credit indicators and processes; • Analyze the credit portfolio, assessing deterioration risk and interpreting credit bureau and SCR (credit information system) data; • Review and recalibrate models and variables of the credit engine; • Evaluate the effectiveness of credit modeling and the performance of rules; • Monitor and propose risk indicators for credit products, ensuring effective risk management and regulatory compliance; • Present reports and analyses on the performance of credit engines, providing strategic insights for decision-making; • Identify and evaluate new solutions and technologies in credit management.

🎯 Requirements

• Bachelor's degree in Business Administration, Financial Mathematics, Economics, or related fields; • Postgraduate degree (e.g., specialization or master's) in Data Analytics, Finance, Credit and Collections, Economics, or related areas; • Experience in the financial market (fintechs, payments sector, and other financial institutions) with a focus on credit products and credit policies; • Professional experience with BI tools (Metabase, Power BI, Excel, among others), applying them to create reports and dashboards; • Experience with credit metrics and KPIs; • Proficiency in SQL and Python; • Experience with regulatory requirements related to credit (CMN, Central Bank of Brazil, and audits); • Knowledge of Statistics.

🏖️ Benefits

• Medical and dental coverage with no co-pay • Life insurance • Medication purchase allowance • Fitness allowance • Free therapy or nutritionist consultations • Flexible meal benefit • Childcare assistance • Parental support program • Extended maternity and paternity leave • In-company training platform • Education assistance covering 70% of undergraduate and language course tuition • Home office allowance • Work equipment provided • Furniture allowance • Partnerships with coworking spaces