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

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in designing and implementing credit risk models in compliance with BACEN and IFRS 9 standards, alongside strong programming skills in Python, SQL, R, or SAS for model validation and stress testing. Capable of collaborating across teams to ensure model consistency and presenting insights to senior management and regulators.

Highest-signal resume keywords

BACEN Credit Risk RegulationsML/AI Credit Risk ModelingIFRS 9 Expected Credit Loss ModelingRetail Credit Lifecycle ExpertiseAdvanced English Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk ModelingMachine LearningArtificial IntelligencePythonSQLRSASStress TestingBehavioral ScoringModel Validation

Industry Keywords

BACENIFRS 9ECL ModelingCredit PolicyRisk Appetite StatementICAAPCapital AdequacyPortfolio PerformanceScenario AnalysisModel Governance

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