Senior Credit Policy Analyst

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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 remain up to date and compliant with regulations; • Serve as the point of contact between Underwriting, Monitoring, Collections, and Product teams, ensuring integration and consistency of policies and processes; • Lead credit-related projects; • Collaborate with the Data team to perform statistical analyses to improve credit policies; • Prepare studies and review data, proposing changes and adjustments to credit metrics 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 decision engine; • Evaluate the effectiveness of credit modeling and the performance of rules; • Monitor and propose risk indicators for credit products, ensuring effective 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 in Data Analytics, Finance, Credit and Collections, Economics, or related areas; • Experience in the financial market (fintechs, payments industry, and other financial institutions) with a focus on credit products and 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; • Knowledge of SQL and Python.

🏖️ Benefits

• Health and dental insurance with no co-payment • Life insurance • Medication purchase allowance • Fitness allowance • Health and dental insurance • Childcare allowance • Parental support program • Extended maternity and paternity leave • Flexible meal card • Free meals at headquarters • Home office allowance • Work equipment provided • Furniture allowance • Education assistance • Birthday day off • Happy hour allowance • Employee referral bonus • Performance-based annual bonus • Stock options plan