Analista de Políticas de Crédito Pleno | Crédito
Core
Define, implement, and evolve credit policies for vehicle financing and secured loans to optimize risk-return and portfolio growth.
Role type
Mid-level credit policy analyst (secured lending)
Builds
Credit strategies, eligibility criteria, and risk management frameworks for vehicle financing and home/car equity loans
Domain
Financial services / Credit risk / Secured lending
Deliverable
production ML models | product features | dashboards & analysis
Required skills
Credit strategy for secured products, risk indicators analysis, data analysis (SQL, Python, SAS), evidence-based decision making
Preferred skills
Stakeholder influence, long-term strategic vision
Technologies
SQL, Python, SAS
Responsibilities
Develop and refine credit strategies for vehicle financing and secured loans; Analyze portfolio performance (default, losses, LTV, recovery, profitability); Conduct tests and experiments on new criteria, models, or segments; Collaborate with data, commercial, pricing, product, operations, and technology teams; Support strategic decisions with quantitative analysis and actionable insights
