Hybrid Senior Credit Risk Analyst – Monitoring and Intelligence

at Sicredi

• Job title: Senior Credit Risk Analyst – Monitoring and Intelligence
• Job type: Full Time
• Experience level: Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Tech skills: Python, SQL
• Location requirements: Hybrid, Porto Alegre, Brazil

About the role

• Senior Analyst for Credit Risk Monitoring at Sicredi, focusing on AI initiatives and portfolio analysis. Drive data governance, enhance credit risk assessments, and support business decision-making.

Responsibilities

• Conduct recurring portfolio quality analyses (daily/monthly), identifying trends, outliers, drivers and emerging risks by segment/central office/cooperative;
• Produce executive diagnostics and governance materials (committees, board, reports), linking risk, provisioning and results with a clear narrative;
• Structure action-oriented studies and hypotheses (origination, pricing, collections, renegotiation), prioritizing areas of greatest materiality and impact;
• Enhance indicators, metrics and dashboards (in partnership with BI), ensuring consistency and traceability for the area;
• Investigate root causes of indicator deterioration (e.g., short-term delinquency, migration, renegotiation, risk mix), proposing actions and monitoring effects;
• Support projection/stress exercises and sensitivity analyses when necessary, connecting realized readings with forward-looking scenarios;
• Act as a technical and methodological reference in portfolio analyses, supporting peers in standardizing routines and improving delivery quality;
• Actively contribute to the AI initiative by helping to: map priority questions, translate rules and analyses into consistent answers, define official data sources, test outputs and identify interpretation risks;
• Apply AI tools day-to-day to increase productivity (summarization, structuring, drafts, hypothesis exploration), while maintaining governance and human validation of outputs;
• Interact with partner areas (modeling, credit, product, finance, central offices/cooperatives) to align assumptions, validate interpretations and develop solutions.

Requirements

• Bachelor's degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Data Science or related fields;
• Strong experience (senior profile) in credit portfolio/credit risk analysis (portfolio quality, delinquency, migration, provisioning, segment-level analyses);
• Proven ability to translate complex analyses into executive messages, with strong writing and presentation skills;
• Proficiency with analysis tools (minimum: advanced Excel + SQL and/or Python/R for exploration/automation);
• Data governance mindset: traceability, consistency, documentation and version control;
• Practical experience using AI tools at work (e.g., Copilot/ChatGPT or equivalents) to boost productivity, with understanding of limitations and need for validation.

Benefits

• Fixed 14th and 15th salaries;
• Profit-sharing (from 2 up to 5 months' salary, depending on seniority);
• Health benefits: Medical and Dental plans with no co-pay (only age-band monthly fee), life insurance, nutrition allowance and psychological support;
• Meal and Food Vouchers – flexible allocation between meal/food cards, no co-pay;
• Extended maternity and paternity leave;
• Childcare or babysitter allowance for children up to 6 years and 11 months;
• Private pension plan up to 6% of salary;
• Training platform – Sicredi Aprende, offering a variety of courses;
• 40-hour work week – using a time bank system;
• Home office allowance (for hybrid or remote positions);