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, arrears/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 and clustering analyses and their data foundations, supporting interpretation by cooperative profile and targeting of actions;
Produce executive materials and analyses for committees and management agendas (preliminary, closing, management reports), with a clear, actionable narrative;
Ensure technical governance of the numbers (reproducibility, traceability, documentation, version control 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, products, 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 analyses);
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.

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

Mid-level Credit Risk Analyst – Portfolio and Credit Risk Analytics

Key skills