Betunel

Analyst

• Conduct comprehensive economic and financial analysis of clients, with critical review of balance sheets, income statements, cash flow, indebtedness, capital structure, liquidity, profitability and cash generation capacity;
• Assess clients' repayment capacity and operational execution ability, considering payment history, portfolio of contracts/projects, receivables profile (especially public-sector receivables), risk concentration, collateral and overall credit exposure;
• Analyze the client's market positioning, industry sector, level of competitiveness, dependency on public or private contracts, business cycle and sensitivity to economic variations;
• Monitor the macroeconomic and sectoral environment (interest rates, inflation, credit, infrastructure investments, public budgets, bank funding), evaluating direct impacts on clients' financial capacity and on portfolio risk;
• Calculate and review credit limits and requirements based on sales schedules, contracted volumes, prices, exposure already granted, existing collateral and risk profile;
• Propose updates to the Credit Policy, considering economic and regulatory changes, market practices, financial costs, collateral enforcement and competitors' strategies;
• Structure, enhance and operationalize credit analysis models, rating criteria, risk segmentation and mitigation instruments;
• Develop and monitor risk indicators (aging, concentration, exposure, delinquency, payment behavior);
• Contribute to the automation of analyses, information security and the use of analytical tools and dashboards to support decision-making.

Credit Analyst

Manager

• Map and monitor new tenders and technical projects in the concessions market, both private and public, identifying project service lines, technical requirements, applicable products and decision makers;
• Conduct technical site visits and meetings with key clients, understand the service plans and applications of each concessionaire, and propose technical alternatives aligned with road construction and/or maintenance needs;
• Prepare and present value-added proposals to clients including preliminary techno-economic studies, application alternatives and recommendations of products and technologies;
• Support the Executive Technical Marketing Lead with technical and commercial analyses, market information and sales strategy development for the portfolio to expand the company's presence in the concessions segment;
• Develop budgets and price compositions for technical solutions and projects, aligning client expectations with technical and commercial feasibility;
• Monitor contract execution and identify opportunities for incremental contract amendments by evaluating projects outside the initial scope of tenders;
• Engage with technical agencies (DNIT/DER/SEINFRA) and related stakeholders (designers, project supervisors, universities and research centers) to strengthen institutional presence and technical alignment with applicable requirements and standards;
• Anticipate scenarios and propose pre-sales solutions, influencing the technical positioning of projects before the formulation of commercial tenders in the private and public sectors in Brazil and LATAM.

Technical Manager

• Monitor the daily operational service schedule;
• Monitor company asset movements to prevent unproductive and unsafe trips;
• Plan and design safe routes for service calls and movements;
• Ensure route compliance and identify non-conformities if they occur;
• Implement safety practices across units in accordance with Risk Management rules;
• Analyze and ensure compliance with directives issued to the Risk Management provider;
• Provide real-time information to the client about cargo location (tracking);
• Measure area-defined KPIs and develop action plans when improvement opportunities are identified.

Credit Analyst

Technical Manager

Monitoring Analyst