Develop, maintain and monitor credit risk models focused on expected loss (PD, EAD, LGD);
Actively collaborate with business areas to ensure our analytical solutions are integrated with credit strategies and Sicredi's objectives;
Continuously monitor model performance and recommend enhancements;
Work with large volumes of structured and unstructured data;
Perform data analyses to support strategic decisions;
Foster and promote a risk culture across the cooperatives;
Communicate clearly and provide technical support to internal teams.

Experience in statistical modeling, preferably in credit/credit risk;
Knowledge of statistical modeling techniques (regressions, decision trees, ML techniques, etc.);
Strong analytical skills and logical reasoning;
Experience with programming languages (SAS, R, Python, SQL or others);
Ability to communicate technical results clearly and concisely to non-specialist audiences;
Proficiency with Microsoft Office (Word, PowerPoint and especially Excel).

Differentials

Knowledge or practical experience with modeling and provisioning related to IFRS 9 (PD, EAD, LGD);
Experience in the financial market or credit cooperatives;
Experience with complex data environments.

Fixed 14th and 15th salaries
Profit sharing (based on seniority)
Health and dental plans with no copayment
Wellness programs through Wellhub (formerly Gympass) including nutrition, psychology, occupational health, massage, running groups and local gym access
Meal and food vouchers with flexible percentage allocation between VA/VR cards, no copayment
Extended maternity and paternity leave
Childcare or babysitting assistance 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, offering a variety of courses
40-hour workweek — using a time bank system
Remote work allowance (except for positions that are 100% on-site).

Junior Credit Risk Analyst – Statistical Modeling Focus

Key skills