Especialista em Políticas e Estratégia de Crédito
Core
Design, implement, and evolve credit policies for private consignment, portability, FGTS salary advance, and corporate credit products, balancing growth, conversion, profitability, and risk.
Role type
Senior credit policy strategist (financial services)
Builds
Automated credit eligibility, approval, and routing rules for digital credit journeys
Domain
Financial services / Credit risk
Deliverable
production ML models | product features
Required skills
Credit policy design, credit risk concepts, decision tree construction, rule engine platforms, A/B testing, data analysis, AI/LLM tools for data insights
Preferred skills
AI/LLM tools for policy review, large volume data analysis
Technologies
Rule engines, origination platforms, decision automation tools, LLMs
Responsibilities
Create and maintain credit policies defining eligibility and approval criteria; Establish grant rules for value, term, and exposure limits; Build decision trees and routing criteria for credit engines; Monitor portfolio performance and conversion rates; Conduct champion/challenger experiments to evaluate policies; Translate business rules into functional requirements for technology teams
Seniority
Senior, hands-on IC