Analista Júnior de Políticas de Crédito / Crédit Business Analyst
Core
Junior Credit Business Analyst responsible for designing, testing, and evolving credit policies, risk-return optimization, and financial modeling for a credit card ecosystem.
Role type
Junior IC credit business analyst (data-driven)
Builds
Credit card product features, risk policies, and pricing strategies
Domain
Fintech / Credit Card / Financial Services
Deliverable
production ML models | product features
Required skills
SQL, financial modeling (NPV), credit policy design, A/B testing, data analysis, stakeholder communication
Preferred skills
Databricks, Scala, Spark, Python, R, alternative data usage (Open Finance), STEM background
Technologies
SQL, Databricks, Scala, Spark, Python, R
Responsibilities
Model NPV valuation of credit card products; Optimize risk-return relationships using financial models; Design and calibrate credit granting and pricing strategies; Extract and analyze large transactional datasets using SQL; Structure and monitor A/B tests for credit policies; Monitor key credit performance indicators (Approval Rate, Roll Rates, etc.); Translate analytical premises to Product and Platform squads.
Seniority
Junior, hands-on IC
