Analista de Políticas de Crédito | Pleno (Hibrido/SP)
Core
Design, test, and evolve the credit journey and lifecycle for credit card products, balancing growth and risk control through data-driven decisions.
Role type
Senior Credit Business Analyst (IC)
Builds
Credit card product features, credit policies, and pricing strategies
Domain
Fintech / Credit Risk / Financial Services
Deliverable
production ML models | product features
Required skills
SQL, financial modeling (NPV), credit risk analysis, A/B testing design, stakeholder alignment, data visualization
Preferred skills
Databricks, Scala, Spark, Python, R, alternative data (Open Finance), credit card domain experience
Technologies
SQL, Databricks, Scala, Spark, Python, R
Responsibilities
Model NPV valuation for credit card products; optimize risk-return trade-offs using credit models; design and calibrate credit granting and pricing policies; extract and analyze large transactional datasets; structure and monitor A/B tests for credit policies; monitor key credit portfolio indicators; align analytical strategies with Product and Platform squads; mentor junior analysts
Seniority
Mid-Senior, hands-on IC