Credit Analyst evaluating documentation for vehicle purchases to mitigate client risks. Join Mycon's growing credit team in a hybrid work model based in São Paulo.
Responsibilities
Perform credit analysis of awarded consortium members (individuals and companies) for release of the letter of credit.
Perform credit analysis for the transfer of quotas of awarded consortium members (individuals and companies) for release of the letter of credit.
Assess payment capacity through income analysis, financial commitments and credit history.
Consult and analyze information from credit bureaus (Serasa, SPC, and others).
Support the validation of documentation and compliance of operations.
Issue credit opinions in accordance with internal policy.
Monitor document-related pending items and request additional information from members or internal departments.
Support maintenance and updating of records and registrations in the system.
Follow rules, policies and procedures of the credit area and insurer.
Assist in identifying inconsistencies or risks in analyzed proposals.
Ensure that analyses comply with Central Bank regulations and the administrator's internal policies.
Support fraud prevention and identification of inconsistencies in proposals.
Record and track analyses in the administrator’s internal systems.
Requirements
Experience with credit analysis processes (e.g., Serasa checks and financial indicators);
Experience with various tools for credit analysis;
Experience in credit analysis for companies (PJ);
Experience with the Newcon system;
Familiarity with credit bureaus.
**Differential**
Knowledge of consórcio (rules and regulations);
Strong Microsoft Office skills (Excel).
Benefits
Flexible Meal/Food Allowance - Swile card;
Health insurance;
Dental insurance;
Life insurance;
Home office allowance;
Transportation allowance;
Birthday day off;
TotalPass;
Vittude;
Childcare assistance;
Benefit on Consortium Professional Day;
0% fee on our products (employees only);
Annual performance bonus (PPR) - based on targets set in the annual program;
Partnership with an educational institution offering discounts for postgraduate courses;
Access to Udemy Business after 6 months, 100% paid by the company;
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