Financial Risk Specialist

CloudWalk, Inc.

Credit Risk Analyst working in payments, managing credit risk frameworks according to BACEN regulations and IFRS 9. Collaborating with teams to build data-driven risk solutions.

Posted 7/1/2026full-timeRemote • 🇧🇷 BrazilMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Design, implement, and maintain credit risk models and frameworks in compliance with BACEN and IFRS 9 standards.
Monitor and manage retail credit exposures across the lifecycle, from origination and underwriting to scoring and portfolio performance.
Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows.
Collaborate with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s Risk Appetite Statement (RAS).
Conduct stress testing, scenario analysis, and model backtesting to ensure portfolio resilience.
Work closely with Data Science, Finance, Compliance, and Fraud teams to ensure model consistency, explainability, and auditability.
Prepare and present insights and reports to senior management and regulators.

Requirements

What you’ll need

Strong knowledge of BACEN credit risk regulations (Resolution BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020).
Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collections, and recovery.
Experience in payments and acquiring, including merchant, settlement, and receivables-backed credit risk.
Practical experience with IFRS 9 expected credit loss (ECL) modeling across Stages 1, 2, and 3 and provisioning methodologies.
Proven track record developing and validating ML/AI credit risk models.
Strong programming skills (Python, SQL, R, or SAS) for modeling, validation, and stress testing.
Familiarity with ICAAP and capital adequacy processes.
Understanding of model governance, documentation, and audit requirements.
Advanced English communication skills.

Benefits

Comp & perks

Health insurance
Retirement plans
Flexible work arrangements
Professional development

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

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

Hard Skills & Tools

Credit Risk ModelingMachine LearningArtificial IntelligencePythonSQLRSASStress TestingBehavioral ScoringModel Validation