Cartão Elo

Financial Risk Specialist

Cartão Elo

full-time

Posted on:

Location Type: Hybrid

Location: Barueri • Brazil

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Tech Stack

PythonSQLTableau

About the role

  • Structure, execute and review stress tests for credit, liquidity and market risk, considering idiosyncratic and systemic scenarios.
  • Assess impacts on results, capital, liquidity and risk appetite.
  • Conduct periodic backtesting routines for risk models (e.g., PD, LGD, EAD, VaR, liquidity models).
  • Evaluate model adherence, stability, predictive power and performance.
  • Document validation results and support interactions with internal and external audits.
  • Develop and improve internal predictive models using statistical, econometric or machine learning techniques (when applicable).
  • Implement and monitor performance metrics (AUC, KS, RMSE, etc.).
  • Participate in updating policies, limits, risk appetite and regulatory reports.
  • Prepare technical materials for executive committees and the board of directors.
  • Support the ongoing assessment of the risk management framework.

Requirements

  • Bachelor’s degree in Business Administration, Economics, Engineering, Statistics, Mathematics or related fields.
  • Knowledge of credit, liquidity and market risk.
  • Previous experience (internship or first job) in risk, treasury, controllership, audit or compliance.
  • Experience with stress testing, backtesting and model validation.
  • Statistical and predictive modeling skills (Python, SQL, Power BI, advanced Excel).
  • Preferred: Postgraduate degree, MBA or certifications (FRM, PRM, CFA, CGA, CEA, CPA-20).
  • Experience building stress test models for individual and integrated risks.
  • Knowledge of SQL, Python or BI tools (Power BI, Tableau).
  • Familiarity with risk regulations and standards such as Basel, CVM (Brazilian Securities and Exchange Commission) or the Central Bank.
Benefits
  • Profit Sharing Program (PPR)
  • Health insurance (Bradesco - co-payment)
  • Optional dental coverage (Bradesco)
  • Life insurance (Banco do Brasil)
  • Optional private pension (ability to contribute up to 7.8% of salary; Elo's contribution between 100% and 200% according to rules)
  • Meal/food allowance of R$1,800.00
  • R$150.00 flexible balance to use for credit-related expenses
  • Christmas allowance of R$850.00
  • Home office allowance (R$200.00 for hybrid model and R$300.00 for remote model)
  • Mobility allowance of R$400.00
  • Free parking
  • Childcare assistance for parents
  • Culture allowance (benefit to be used for theater, cinema or bookstores)
  • Extended parental leave (for same-sex couples, fathers, adoptive parents, etc.)
  • Birthday day off
  • Wellness platform focused on mental health and nutrition
  • WellHub and TotalPass (network of gyms and studios for sports activities)
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
stress testingbacktestingmodel validationpredictive modelingstatistical modelingeconometric techniquesmachine learningperformance metricscredit riskliquidity risk
Soft Skills
analytical skillscommunication skillsorganizational skillsattention to detailproblem-solving skillscollaborationpresentation skillsinterpersonal skillscritical thinkingtime management
Certifications
FRMPRMCFACGACEACPA-20MBAPostgraduate degreeBachelor's degreerelated fields