Analista Pleno de Políticas de Crédito / Crédit Business Analyst
Core
Design, test, and evolve the credit journey and lifecycle for the credit card ecosystem, balancing growth and risk control.
Role type
Senior Credit Business Analyst (Data-driven)
Builds
Credit card product features, risk policies, and pricing strategies
Domain
Fintech / Credit Risk / Payments
Deliverable
production ML models | product features
Required skills
SQL, financial modeling (NPV), credit policy design, A/B testing, data analysis, stakeholder alignment
Preferred skills
Databricks, Scala, Spark, Python, R, alternative data (Open Finance), credit card domain experience
Technologies
SQL, Databricks, Scala, Spark, Python, R
Responsibilities
Model and monitor NPV valuation for credit card products; Optimize risk-return ratios using credit 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 strategies into product and platform squad implementations; Mentor junior analysts on quantitative analysis.
Seniority
Senior, hands-on IC
