Echo

Senior Credit Analyst

Echo

full-time

Posted on:

Location Type: Hybrid

Location: São Paulo • Brazil

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Job Level

Senior

Tech Stack

ERPETLOraclePythonSQL

About the role

  • Conduct credit analysis of counterparties (B2B) for energy commercialization transactions, assessing financial, sectoral and governance risk.
  • Build, maintain and enhance the internal rating methodology (criteria, scorecards, weights, triggers, overrides and audit trail).
  • Define and review credit limits, commercial terms (tenor, prepayment, collaterals/mitigants) and recommendations for approval by committees.
  • Monitor exposure and concentration by counterparty/economic group, with a consolidated view (CNPJ root, parent companies, guarantors and related parties).
  • Implement monitoring routines (watchlist) and risk early warnings: downgrades, material events, financial deterioration, news, protests/legal actions, corporate changes and critical indicators.
  • Structure and govern credit and counterparty databases: master data, historical ratings, limits, exposures, guarantees and events, ensuring data quality and traceability.
  • Automate and standardize update routines and reports (Power Query/SQL/Excel), reducing manual effort and increasing data reliability.
  • Develop management reports and dashboards (Excel/Power BI) with risk KPIs: rating migration, limit utilization, concentration, top exposures, review aging, delinquency/default (when applicable).
  • Prepare executive materials and concise opinions for decision forums (credit/risk committee/board), supporting recommendations with data and technical rationale.
  • Work in partnership with Commercial/Trading/Legal/Treasury to support decision-making, suggesting risk mitigants and protective contract clauses when necessary.
  • Support the definition and review of credit policies, procedures and governance (authority matrix, review cadences, documentation and internal controls).
  • Strong experience with B2B/counterparty credit, economic-financial analysis and limit setting (preferably in energy, commodities, trading, financial services or capital-intensive industries).
  • Practical experience in building/applying internal ratings, score models and risk classification criteria (with governance discipline and documentation).
  • Proficiency in financial statement analysis (Balance Sheet, Income Statement and Cash Flow Statement), capital structure, liquidity, leverage, covenants and quality of cash generation.
  • Ability to structure data and processes: advanced Excel (pivot tables, functions, modeling), Power Query; SQL for data extraction and processing is a strong differential (Python/R as a plus).
  • Experience creating reports and dashboards (Power BI preferred), focused on actionable indicators and executive insights.
  • Ability to consolidate information by economic group (CNPJ root, subsidiaries/associates), work with diverse data sources and ensure master data consistency.

Requirements

  • Bachelor’s degree in Business Administration, Economics, Accounting, Engineering, Statistics, Mathematics or related fields.
  • Solid experience in B2B counterparty credit, with work in economic-financial analysis, internal rating and limit setting (experience in energy/commercialization, trading, commodities or financial services is a plus).
  • Strong command of financial statement analysis (Balance Sheet, Income Statement and Cash Flow Statement), including critical assessment of leverage, liquidity, coverage, capital structure, covenants and quality of cash generation.
  • Advanced Excel (modeling, pivot tables, Power Pivot is a plus).
  • Power Query (data processing, automations and light ETL).
  • SQL (queries, joins, data treatment and extraction) — highly desirable.
  • Power BI (dashboards and indicators) — desirable.
  • Familiarity with ERP/CRM and data integration (e.g., SAP, Oracle, Dynamics, Salesforce etc.) — desirable.
  • Certifications and courses in Corporate Finance, Credit Analysis, Credit/Counterparty Risk, Valuation or Financial Modeling.
Benefits
  • Health and dental plan for you and your family (direct dependents);
  • Life insurance to protect your present and future;
  • Childcare allowance;
  • Meal and food vouchers to recharge your energy;
  • Commuter allowance to get to work safely OR
  • Parking voucher, when necessary;
  • Wellhub (formerly Gympass);
  • Profit-sharing;
  • Private pension plan;
  • Platform with learning paths, content and training to boost each talent’s professional development;
  • Go-Fluent language platform.
Applicant Tracking System Keywords

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

Hard Skills & Tools
credit analysisfinancial statement analysisinternal rating methodologyeconomic-financial analysislimit settingdata structuringdata processingfinancial modelingrisk classificationreporting and dashboard creation
Soft Skills
analytical thinkingattention to detailcommunicationcollaborationdecision-makingproblem-solvingorganizational skillsexecutive presentationcritical assessmentdata-driven decision making
Certifications
Corporate FinanceCredit AnalysisCredit RiskCounterparty RiskValuationFinancial Modeling