Analyst, Revenue Management River at Royal Caribbean Group developing pricing strategies for cruise. Monitoring market performance and collaborating cross - functionally to enhance revenue opportunities.
About the role
- Credit Policies Analyst developing and optimizing vehicle financing strategies for sustainable growth. Working collaboratively within the Credit Policies team at Creditas.
Responsibilities
- Develop, review and optimize credit policies for the auto financing product;
- Analyze portfolio behavior, delinquency, customer profiles and performance by store/region;
- Design tests (A/B, segmented cutoffs, differentiated policies) to validate hypotheses for performance improvement;
- Conduct exploratory analyses on internal datasets (simulations, fraud data, payment behavior, etc.);
- Produce ad hoc studies and recurring monitoring (dashboards and ongoing follow-ups);
- Structure strategic adjustments considering seasonality, dealer profile, competition and market trends;
- Act proactively in uncertain scenarios, proposing alternatives even when not all information is structured.
Requirements
- Previous experience with credit policies for vehicle financing;
- Experience analyzing origination performance and delinquency of vehicle financing portfolios;
- Knowledge of SQL for extracting and organizing datasets;
- Knowledge of Python for data manipulation, cleaning and analysis;
- Experience in financial institutions, fintechs or companies that operate structured credit;
- Availability for hybrid work: required to attend our office in the Morumbi area of São Paulo once a month for 4 consecutive days, usually in the last or first week of the month (Creditas in Person).
Benefits
- Health Insurance (Alice)
- Dental Insurance (SulAmérica)
- Wellz: 100% free therapy sessions
- Wellhub: access to gyms and studios
- Pharmacy partnership (Univers)
- Life Insurance (Porto Seguro)
- Birthday day off
- Extended parental leave: 6 months for birthing parents and 35 days for non-birthing parents
- Family Care: support program for maternity and paternity
- Childcare allowance
- Support for dependents with disabilities (PWDs)
- SESC: access to facilities for you and your dependents
- Meal Allowance (VR): flexible benefits card (Creditas Card)
- Payroll-deductible loan (Creditas Benefits)
- Salary advance (Creditas Benefits)
- Discounts on insurance (Minuto Seguros)
- Access to exclusive financial education content in the Creditas app
- PPR: profit-sharing program
- Educational and development incentives
- Flexible work model
- Free bike parking at the office
- Partnered parking at the office (subject to internal availability)
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
No Education Requirement
Tech skills
Location requirements
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