Credit Risk Analyst

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CloudWalk, Inc.

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201 - 500 employés

💳 Fintech

🤖 Intelligence artificielle

💰 €150 000 000 Series C en 2021-11

Fintech • Blockchain • Artificial Intelligence

CloudWalk, Inc. se concentre sur la révolution de l'industrie des paiements en démocratisant les services financiers et en donnant du pouvoir aux entrepreneurs grâce à des solutions innovantes. Leur mission est de créer un réseau de paiement équitable et technologiquement avancé sur Terre et au-delà. Utilisant l'IA et la blockchain, CloudWalk offre des produits tels que InfinitePay, une plateforme financière desservant les entreprises au Brésil, et JIM, un système de paiement instantané aux États-Unis. Stratus, leur blockchain haute performance, soutient les réseaux de paiement mondiaux. CloudWalk met l'accent sur l'engagement client et des modèles économiques disruptifs pour transformer la façon dont les commerçants vendent et profitent.

Description

• Design, implement, and maintain credit risk models and frameworks in accordance with BACEN (Brazilian Central Bank) regulations and IFRS 9 standards. • Monitor and manage retail credit exposures from origination and underwriting through scoring and portfolio performance. • Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring. • Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows. • Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s Risk Appetite Statement (RAS). • Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience. • Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure model consistency, explainability, and auditability. • Prepare and present insights and reports for senior management and regulators.

🎯 Exigences

• Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020). • Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collections, and recovery. • Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk. • Hands-on experience with IFRS 9 expected credit loss (ECL) modeling (Stages 1, 2, 3) and provisioning methodologies. • Proven experience developing and validating ML/AI credit risk models. • Strong programming skills (Python, SQL, R, or SAS) for modeling, validation, and stress testing. • Familiarity with ICAAP and capital adequacy processes. • Understanding of model governance, documentation, and audit requirements. • Advanced English communication skills.

🏖️ Avantages

• Health insurance • Flexible work arrangements • Professional development opportunities • Remote work options