Market Risk Analyst in the insurance industry focusing on financial markets and risk management. Analyzing risks and collaborating with global teams to enhance risk insights and reports.
SI
Hybrid Mid-level Credit Risk Analyst – Portfolio and Credit Risk Analysis
Posted 15 hours ago
About the role
- Analista Pleno em Risco de Crédito no Banco Cooperativo Sicredi, atuando em análises quantitativas de risco e provisão.
Responsibilities
- Conduct portfolio projection, provisioning and risk indicator routines, ensuring consistency with official datasets and approved assumptions;
- Design and perform sensitivity and scenario analyses (base/stressed/mitigated), translating impacts into provisioning and financial results;
- Develop and maintain projection and simulation models and artifacts (e.g., ECL, migration, vintage, delinquency/stage transitions, portfolio behavior);
- Support the bank's budgeting cycle and inputs for cooperatives/central entities, aligning risk assumptions with financial projections;
- Plan and operationalize stress testing exercises (scenarios and simulations), in coordination with RAS/ICAAP teams and internal governance;
- Advance segmentation/cluster analyses and underlying datasets, supporting profiling of cooperatives and targeted action plans;
- Produce executive materials and analyses for committees and management meetings (previews, closings, management reports), with clear and actionable narratives;
- Ensure technical governance of figures (reproducibility, traceability, documentation, version control and controls);
- Serve as the team's quantitative reference, supporting peers in methodological discussions, data quality and continuous process improvement;
- Interact with partner areas (modeling, credit, product, finance, central/cooperatives) to align assumptions, interpret results and propose courses of action.
Requirements
- Bachelor's degree in Statistics, Economics, Engineering, Mathematics, Data Science, Computer Science or related fields;
- Practical experience in quantitative analyses applied to credit/risk/finance (modeling, projections, simulations, sensitivity analysis);
- Proficiency with analytical tools (minimum: SQL and/or Python/R, plus advanced Excel; ability to automate routines);
- Ability to structure end-to-end analyses: define assumptions, process data, model, validate and communicate results;
- Organizational rigor when working with official figures: version control, traceability and documentation;
- Clear communication skills to translate complex analyses into concise messages for non-technical audiences.
- Experience with IFRS 9 / ECL and/or CMN Resolution 4.966 (staging, provisioning drivers, PD/LGD/EAD, overlays);
- Experience with stress testing, macro scenarios, ICAAP/RAS, or similar risk management frameworks;
- Experience with Power BI (data modeling, DAX, report governance) and integration with data pipelines;
- Knowledge of segmentation/clustering techniques and portfolio analysis by profiles (e.g., cooperative clusters);
- Experience in financial institutions, credit unions/cooperatives or risk consultancies, with interaction with business areas;
- Familiarity with analytical engineering best practices (e.g., Git, environments, testing, pipelines, reproducibility).
Benefits
- 14th and 15th fixed salary payments;
- Profit-sharing (depending on seniority);
- Health and Dental plans with no co-payment;
- Wellbeing programs via Wellhub (formerly Gympass): nutrition, psychology, occupational health, massage, running groups and local gym;
- Meal and Food vouchers – flexible percentage allocation between cards (VA/VR), with no co-payment;
- Extended maternity and paternity leave;
- Childcare or nanny allowance for children up to 6 years and 11 months;
- Assistance for children with disabilities, no age limit;
- Life insurance;
- Private pension plan up to 8% of salary;
- Training platform – Sicredi Aprende, offering a range of courses;
- 40-hour work week – using a time bank system;
- Remote work allowance (except for roles requiring 100% on-site presence).
Job title
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