Analista de Crédito analyzing credit for new clients at Matrix, focusing on credit policies and financial assessments. Working collaboratively in São Paulo's hybrid environment.
Responsibilities
Conduct credit analyses for new clients, including evaluation of Serasa Score, online research, financial statements (Balance Sheet, Income Statement - DRE, and Cash Flow Statement) and interpretation of key liquidity, solvency, profitability and leverage indicators;
Assess the need for collateral in accordance with identified risk and internal policies;
Organize and update databases and reports, ensuring the integrity of credit information;
Contribute to the calibration and improvement of credit policies and models, participating in the design of enhancements and process reviews;
Support the preparation of KPIs, materials, supplier negotiations and presentations to support Credit Committees and Executive Management;
Requirements
Bachelor's degree completed or in progress in Accounting, Business Administration, Economics or related fields.
Strong analytical ability with attention to detail;
Organized and disciplined in managing tasks and meeting deadlines;
Previous experience in credit routines;
Knowledge of SQL and Power BI;
Familiarity with financial statement analysis and financial indicators.
Benefits
High-quality health coverage with Omint: access a top-tier medical and dental network with nationwide coverage.
Alelo Pod card for flexible Meal and Food spending (Vale Refeição and Vale Alimentação), accepted at major restaurant and supermarket chains.
Flexible and sustainable working hours.
Mobility: choose the option that works best for you — transportation voucher, fuel allowance or parking.
Total Pass: an online platform dedicated to promoting quality of life, health and well-being. Plans that provide access to gyms, studios and online services, with exclusive Matrix discounts covering you and up to 3 dependents.
Group life insurance.
Profit Sharing (PLR), subject to attainment of targets and performance.
Work with a fantastic team in a collaborative environment that aims to build a brighter, more sustainable future.
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