Cartão Elo

Non-Financial Risk Analyst – Mid-Level

Cartão Elo

full-time

Posted on:

Location Type: Hybrid

Location: Barueri • Brazil

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Tech Stack

PythonSQLTableau

About the role

  • Management of Credit, Liquidity and Market risks, including continuous monitoring, periodic reporting, and updating policies and indicators.
  • Calculation, updating, and control of participant collateral, as well as calculating PD (probability of default), ratings, and reviewing financial statements (annual and on-demand).
  • Regulatory support, preparing deliverables for the Central Bank (Bacen), Executive Board, Risk Committee, and drafting official materials and memoranda.
  • Prompt support to internal teams and partners, including data analysis, handling non-funding flows, maintaining reports and the Financial Risks page.
  • Contribute to process automation and continuous improvements.
  • Assist in updating quantitative models, spreadsheets and databases used by the team.
  • Contribute to preparing management reports, risk indicators (KRIs) and Risk Appetite indicators (RAS).
  • Support analysis and monitoring of the company's key financial risks (market, credit, liquidity).
  • Assist with internal and external audits when necessary.
  • Create Risk Dashboards for partner areas.

Requirements

  • Bachelor's degree in Business Administration, Economics, Engineering, Accounting, Statistics, or related fields.
  • Basic knowledge of financial risk, financial products, and payment methods concepts.
  • Intermediate Excel skills (pivot tables, formulas, charts).
  • Experience with one or more of the following: SQL, Python, or BI tools (Power BI, Tableau).
  • Analytical skills, organization and attention to detail.
  • Proactive approach.
  • Good written and verbal communication.
  • Prior experience (internship or first job) in risk, treasury, controllership, audit, or compliance is a plus.
  • Statistical and predictive modeling (Python, SQL, Power BI, advanced Excel) is a plus.
  • Familiarity with risk regulations such as Basel, CVM or Central Bank rules is a plus.
Benefits
  • Profit Sharing Program (PPR)
  • Health insurance (Bradesco - co-payment)
  • Optional dental insurance (Bradesco)
  • Life insurance (Banco do Brasil)
  • Optional private pension (ability to contribute up to 7.8% of salary with Elo matching between 100% and 200% according to plan rules)
  • Meal/food allowance of R$1,800.00
  • R$150.00 flexible balance to use on the credit function
  • Christmas card 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 allowance for parents
  • Culture allowance (to be used for theater, cinema, or bookstores)
  • Extended parental leave (including same-sex couples, fathers, adoptive parents, etc.)
  • Birthday day off
  • Well-being platform focused on mental and nutritional health
  • WellHub and TotalPass (network of gyms and studios for fitness activities)
Applicant Tracking System Keywords

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

Hard Skills & Tools
financial riskcollateral calculationprobability of default (PD)financial statement reviewquantitative modelingdata analysisrisk indicators (KRIs)Risk Appetite indicators (RAS)statistical modelingpredictive modeling
Soft Skills
analytical skillsorganizationattention to detailproactive approachwritten communicationverbal communication