Hybrid Credit Engine Analyst, Mid-level

Posted 59 minutes ago

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About the role

  • Analyst for credit engine strategy at Omni, focusing on implementing credit policies and improving efficiency. Involved in decision-making and KPI monitoring for financial growth.

Responsibilities

  • Implement credit strategies in the credit decision engine, ensuring alignment with the company’s risk, profitability and growth guidelines;
  • Lead the technical design of policies, rules, segmentations, cut-offs, decision flows and routing strategies (automated vs. manual/desk);
  • Manage the end-to-end validation plan (planning, scenarios, rule validation, integrated testing), ensuring quality and governance during implementation;
  • Monitor the performance of deployed policies through strategic KPIs (approval rate, delinquency, margin, conversion, routing, operational efficiency);
  • Work on building and evolving score models (internal and bureau), defining cut-offs and segmentation strategies;
  • Identify continuous improvement opportunities in the credit engine to reduce operational friction and increase efficiency;
  • Ensure governance and traceability of changes made to the engine and policies;
  • Collaborate with Data, Modeling, IT, Product and Collections teams to evolve the full credit lifecycle;
  • Support strategic decisions through in-depth technical analyses and executive presentations to leadership.

Requirements

  • Experience with decision engines and rule parameterization;
  • Experience with decision engines (e.g., Crivo, FICO, Experian, Neurotech or similar);
  • Knowledge of programming logic (coursework, skills or practical experience);
  • Knowledge of databases such as Oracle, SQL Server or similar;

Benefits

  • 👶 Childcare assistance for children up to 6 years and 11 months
  • 🏋️ TotalPass to support your physical health
  • 🏠 Hybrid work model 3x2 (remote and on-site)
  • 🍴 Meal and food allowance on a flexible card
  • 🚌 Transportation voucher
  • 🩺 Medical and dental coverage (SulAmérica plan)
  • 🛡️ Life insurance
  • 🏃 Wellness program (running and more)
  • 🎂 Birthday day off
  • 💻 Conexa Saúde – online consultations with no copayment
  • 💰 Profit sharing
  • 👕 No dress code – be yourself!
  • ⏰ Flexible hours
  • 🎓 Corporate University
  • ✨ And much more for you!

Job title

Credit Engine Analyst, Mid-level

Job type

Experience level

Mid levelSenior

Salary

Not specified

Degree requirement

No Education Requirement

Tech skills

Location requirements

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