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Senior Credit Risk Analyst

Senior Credit Risk Analyst role in Sao Paulo, Brazil.
Nubank
On-Site
Brazil
Undisclosed salary
Job Description
The company is seeking a Senior Credit Risk Analyst to join their Credit Risk Squad in Sao Paulo, Brazil. This role is within the 2nd Line of Defense, focusing on managing and overseeing the credit risk function by providing independent oversight and challenge to the first line of defense. The Senior Credit Risk Analyst will play a crucial role in analyzing the health and performance of the credit portfolio, particularly within retail market portfolios, including credit cards and personal loans. They will contribute significantly to ensuring the company’s credit risk is managed effectively, with a strong emphasis on the universe of credit provisions.

Role involves:
  • Analyzing and monitoring risk parameter models (PD, LGD, EAD) relevant to retail portfolios, ensuring they align with regulations like IFRS9.
  • Performing in-depth analysis of credit risk exposure and its implications for expected credit losses (ECL) and loss allowances.
  • Participating in monthly accounting closing activities, contributing to the creation of reports on loss allowance movements.
  • Actively contributing to the enhancement of the controls environment within credit risk management.
  • Liaising with Internal and External Audit teams during model validation processes, ensuring adherence to regulatory requirements and SOX compliance in operational processes.
  • Maintaining a strong understanding of relevant local and international regulations concerning provisions and credit risk management, including a surface-level understanding of standards like Bacen 4966 and IFRS9.
  • Leveraging analytical and problem-solving skills to manipulate and learn from data related to the credit portfolio.

Requirements:
  • Bachelor’s degree in Engineering, Economics, Math, Statistics, Physics or related fields.
  • Analytical, problem-solving skills and passionate to manipulate data in order to learn from it.
  • Great coding skills (SQL, Python, Scala or other similar programming languages).
  • Knowledge and experience in local and international regulations regarding provisions and credit risk management.
  • Adaptability to dynamic way of working/short term deliverables.
  • Advanced or Fluent English (preferred).
  • Experience with SOX controls within risk management environment (preferred).
  • Experience in developing or analyzing outputs of Expected Credit Loss models/PD/EAD/LGD (preferred).
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Nubank

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