DM

Credit Policy Analyst

DM

full-time

Posted on:

Location Type: Hybrid

Location: São José dos Campos • Brasil

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Job Level

Mid-LevelSenior

Tech Stack

OraclePythonSQL

About the role

  • Develop credit approval policies for the various financial products, ensuring the risk levels defined in their strategic planning are maintained.
  • Develop KPIs, controls, and quality processes for ongoing operational monitoring; manage strategic product indicators and propose improvements and/or actions to maximize results.
  • Conduct studies and analyses (for various purposes) to challenge current strategies and policies and/or assess the adoption of new technologies and market trends.
  • Evaluate existing processes to mitigate risks: map and document workflows, strengthen security layers, automate processes, and design projects to support product development and the Risk area.
  • Contribute to various topics within the area, adding value to the business and the Risk team, and mentoring peers and more junior colleagues.
  • Prepare presentations for Risk committees, providing context on the area's status, indicator performance, actions taken, and action plans (next steps).

Requirements

  • Solid experience in Risk, preferably in Credit Policy, Customer Maintenance/Account Management, or Modeling.
  • Data manipulation tools (e.g., SQL, Oracle, SAS); analytics tools (R, Python, QlikView, Power BI); Microsoft Office suite.
  • Degree in Business Administration, Economics, Engineering, Mathematics, Statistics, IT, or related fields.
Benefits
  • CAJU Flexible Benefits Card — meal/food allowance, meal/recreation/transportation options and others.
  • Health plan (Bradesco).
  • Dental plan (Bradesco).
  • Life insurance.
  • Educational assistance and study incentive programs.
  • English course — English Pass (partnership available to all DM employees).
  • Wellhub for wellness and fitness activities.
  • DM VISA card with a pre-approved credit limit.
  • Day off on your birthday — a gift from DM!
  • PPR (Profit/Results Sharing Program).
  • For parents: childcare assistance for children up to 6 years old.
  • For parents: extended maternity and paternity leave — 6 months for mothers and 20 days for fathers.

Applicant Tracking System Keywords

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

Hard skills
credit approval policiesrisk managementKPI developmentdata manipulationdata analysisprocess evaluationworkflow mappingautomationproject designmentoring
Soft skills
strategic thinkingcommunicationpresentation skillscollaborationproblem-solving