Hybrid Senior Credit Analyst

at Echo

• Job title: Senior Credit Analyst
• Job type: Full Time
• Experience level: Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Tech skills: ERP, ETL, Oracle, Python, SQL
• Location requirements: Hybrid, Sao Paulo, Brazil

About the role

• Senior Credit Analyst evaluating B2B counterpart credit risks in energy commercialization. Collaborating with teams to establish credit limits and governance policies.

Responsibilities

• Conduct credit analysis of counterparties (B2B) for energy commercialization transactions, assessing financial, sectoral and governance risk.
• Build, maintain and enhance the internal rating methodology (criteria, scorecards, weights, triggers, overrides and audit trail).
• Define and review credit limits, commercial terms (tenor, prepayment, collaterals/mitigants) and recommendations for approval by committees.
• Monitor exposure and concentration by counterparty/economic group, with a consolidated view (CNPJ root, parent companies, guarantors and related parties).
• Implement monitoring routines (watchlist) and risk early warnings: downgrades, material events, financial deterioration, news, protests/legal actions, corporate changes and critical indicators.
• Structure and govern credit and counterparty databases: master data, historical ratings, limits, exposures, guarantees and events, ensuring data quality and traceability.
• Automate and standardize update routines and reports (Power Query/SQL/Excel), reducing manual effort and increasing data reliability.
• Develop management reports and dashboards (Excel/Power BI) with risk KPIs: rating migration, limit utilization, concentration, top exposures, review aging, delinquency/default (when applicable).
• Prepare executive materials and concise opinions for decision forums (credit/risk committee/board), supporting recommendations with data and technical rationale.
• Work in partnership with Commercial/Trading/Legal/Treasury to support decision-making, suggesting risk mitigants and protective contract clauses when necessary.
• Support the definition and review of credit policies, procedures and governance (authority matrix, review cadences, documentation and internal controls).
• Strong experience with B2B/counterparty credit, economic-financial analysis and limit setting (preferably in energy, commodities, trading, financial services or capital-intensive industries).
• Practical experience in building/applying internal ratings, score models and risk classification criteria (with governance discipline and documentation).
• Proficiency in financial statement analysis (Balance Sheet, Income Statement and Cash Flow Statement), capital structure, liquidity, leverage, covenants and quality of cash generation.
• Ability to structure data and processes: advanced Excel (pivot tables, functions, modeling), Power Query; SQL for data extraction and processing is a strong differential (Python/R as a plus).
• Experience creating reports and dashboards (Power BI preferred), focused on actionable indicators and executive insights.
• Ability to consolidate information by economic group (CNPJ root, subsidiaries/associates), work with diverse data sources and ensure master data consistency.

Requirements

• Bachelor’s degree in Business Administration, Economics, Accounting, Engineering, Statistics, Mathematics or related fields.
• Solid experience in B2B counterparty credit, with work in economic-financial analysis, internal rating and limit setting (experience in energy/commercialization, trading, commodities or financial services is a plus).
• Strong command of financial statement analysis (Balance Sheet, Income Statement and Cash Flow Statement), including critical assessment of leverage, liquidity, coverage, capital structure, covenants and quality of cash generation.
• Advanced Excel (modeling, pivot tables, Power Pivot is a plus).
• Power Query (data processing, automations and light ETL).
• SQL (queries, joins, data treatment and extraction) — highly desirable.
• Power BI (dashboards and indicators) — desirable.
• Familiarity with ERP/CRM and data integration (e.g., SAP, Oracle, Dynamics, Salesforce etc.) — desirable.
• Certifications and courses in Corporate Finance, Credit Analysis, Credit/Counterparty Risk, Valuation or Financial Modeling.

Benefits

• Health and dental plan for you and your family (direct dependents);
• Life insurance to protect your present and future;
• Childcare allowance;
• Meal and food vouchers to recharge your energy;
• Commuter allowance to get to work safely OR
• Parking voucher, when necessary;
• Wellhub (formerly Gympass);
• Profit-sharing;
• Private pension plan;
• Platform with learning paths, content and training to boost each talent’s professional development;
• Go-Fluent language platform.