Conduct portfolio projection, provisioning and risk indicator routines, ensuring consistency with official data sources and approved assumptions
Structure and execute sensitivity and scenario analyses (base/stressed/mitigated), translating impacts into provisions and financial results
Develop and maintain projection and simulation models and artifacts (e.g., ECL, migration, vintage, delinquency/stage transitions, portfolio behavior)
Support the bank’s budgeting cycle and provide inputs for cooperatives/centrals, aligning risk assumptions with financial projections
Plan and operationalize stress testing exercises (scenarios and simulations) in coordination with RAS/ICAAP teams and internal governance
Advance segmentation/cluster analyses and underlying datasets, supporting interpretation by cooperative profile and guiding actions
Produce executive materials and analyses for committees and management forums (preliminary, closing, management reports), with clear, actionable narratives
Ensure technical governance of figures (reproducibility, traceability, documentation, versioning and controls)
Serve as the team’s quantitative reference, supporting peers in methodological discussions, data quality and continuous process improvements
Interact with partner areas (modeling, credit, product, finance, centrals/cooperatives) to align assumptions, interpret results and propose courses of action

Bachelor’s degree in Statistics, Economics, Engineering, Mathematics, Data Science, Computer Science or related fields
Practical experience in quantitative analyses applied to credit/risk/finance (modeling, projections, simulations, sensitivity analysis)
Proficiency with analysis tools (minimum: SQL and/or Python/R, plus advanced Excel; ability to automate routines)
Ability to structure end-to-end analyses: define assumptions, process data, model, validate and communicate results
Organization and rigor when working with official figures: version control, traceability and documentation
Clear communication skills to translate complex analyses into concise messages for non-technical audiences
Experience with IFRS 9 / ECL and/or CMN Resolution 4.966 (staging, provisioning drivers, PD/LGD/EAD, overlays) — advantage
Experience with stress testing, macro scenarios, ICAAP/RAS, or similar risk management frameworks — advantage
Experience with Power BI (data modeling, DAX, report governance) and integration with data pipelines — advantage
Knowledge of segmentation/clustering techniques and portfolio analysis by profile (e.g., clusters of cooperatives) — advantage
Experience in financial institutions, credit cooperatives or risk consultancies, with interaction with business areas — advantage
Familiarity with analytical engineering best practices (e.g., Git, environments, testing, pipelines, reproducibility) — advantage

14th and 15th fixed salaries
Profit-sharing (depending on seniority)
Health and Dental plans with no co-payment
Wellbeing programs via Wellhub (formerly Gympass): Nutrition, Psychology, Occupational Health, Massage, running group and local gym
Meal and Food Vouchers – flexible allocation between meal and grocery cards, with no co-payment
Extended maternity and paternity leave
Childcare or nanny allowance for children up to 6 years and 11 months
Support for children with disabilities, no age limit
Life insurance
Private pension plan up to 8% of salary
Training platform – Sicredi Aprende, offering a variety of courses
40-hour workweek – using a time bank system
Telework allowance (except for positions that are 100% on-site)

Credit Risk Analyst (Mid-Level) – Portfolio & Credit Risk Analysis

Key skills