Senior Corporate Credit Policy Analyst

Afinz

Analista de Políticas de Crédito PJ SR na Afinz, revisando e desenvolvendo políticas de crédito para produtos financeiros. Garantindo a correta aplicação das políticas durante o ciclo de crédito.

Posted 6/22/2026full-timeRemote • BrasilSeniorWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Review, develop and keep up to date corporate (PJ) credit policies for products such as card issuance, receivables factoring/advance, working capital and acquiring;
Ensure correct application of policies across the entire credit lifecycle, from origination to portfolio monitoring;
Define and monitor eligibility criteria, limits, terms, collateral, exposures and approval authorities by product and segment;
Monitor credit indicators (delinquency, losses, concentration, limit utilization and profitability), proposing adjustments when necessary;
Perform economic and financial analyses of companies and sector studies to support policy recommendations;
Act as a technical reference for questions and alignments with partner areas;
Prepare and present technical and executive materials for Credit Committees and governance forums;
Assess the impact of macroeconomic, regulatory and market scenarios on credit policies;
Contribute to the continuous improvement of corporate credit processes and controls.

Requirements

What you’ll need

Bachelor’s degree in Business Administration, Economics, Accounting, Engineering, Statistics or related fields;
Proven experience with corporate (PJ) credit, credit policies or risk, preferably in financial institutions;
Knowledge of corporate financial products, such as credit cards, receivables factoring/advance, working capital and acquiring;
Strong financial statement analysis skills (Balance Sheet, Income Statement and Cash Flow);
Experience in defining and reviewing credit policies, including approval criteria, limits, collateral and rating/score models;
Advanced Excel and familiarity with data and BI tools (Power BI, SQL or similar);
Experience working with credit committees and formal governance structures (differential);
Postgraduate degree or specialization in Finance, Risk or Credit (differential);
Analytical profile, business acumen, autonomy and good communication skills.

Benefits

Comp & perks

Meal and/or Food Allowance
Transportation allowance
Life Insurance
Dental coverage
Health insurance: fully paid by the company for the employee and 50% of the plan for legal dependents
Wellhub: a health and wellness benefit that provides access to gyms, studios, apps and personal trainer services
Wedding: extra days off for your honeymoon and a gift voucher from Afinz
Birthday: reduced working hours on your birthday so you can enjoy time with your loved ones
Sesc partnership: access to a wide range of programs nationwide, including courses, cultural events, holiday camps, sports activities, health services and excursions, extended to your family
Educational incentives: partnerships with educational institutions providing discounts on undergraduate, graduate and continuing education courses
Nursing room: a reserved space for breastfeeding
Relaxation area: an exclusive space for socializing and decompressing
Partnership with parking facilities: discounts on monthly fees or daily rates at private parking lots near the building

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit policiesfinancial analysiscredit riskcredit cardsreceivables factoringworking capitalapproval criteriafinancial statement analysisrating modelsdata analysis

Soft Skills

analytical profilebusiness acumenautonomycommunication skills

Certifications

Bachelor’s degreePostgraduate degree in Financespecialization in Riskspecialization in Credit