Credit Manager
Efí Bank
full-time
Posted on:
Location Type: Remote
Location: Brazil
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About the role
- Lead the development, implementation and ongoing review of credit policies and models, ensuring alignment with the company’s growth strategy.
- Monitor credit approvals and credit operations, ensuring adherence to policies, risk control and portfolio sustainability.
- Track area performance indicators, proposing adjustments and course corrections when necessary.
- Assess the impacts of changes to credit policies, models or strategies, performing analyses and forecasts to support decision-making.
- Serve as the organization’s primary technical authority on credit, influencing decisions that affect risk, growth and business profitability.
- Coordinate and integrate stakeholders across credit, operations and collections, ensuring alignment between strategy and execution.
- Participate in credit and operations committees, contributing analyses and strategic guidance.
- Lead the credit team, delegating responsibilities, monitoring performance and promoting the team’s technical and behavioral development.
- Contribute to the definition and evolution of products, processes and initiatives involving credit operations.
Requirements
- Bachelor’s degree in Business Administration, Statistics, Economics, Accounting or related fields.
- Experience in team leadership.
- Proven experience managing credit in banks, financial institutions, payment institutions and/or fintechs.
- Knowledge of corporate (business) credit products.
- Technical knowledge of financial operations in the payments and credit segment.
- Knowledge of credit policies, risk management and monitoring of portfolio performance indicators.
- Strong technical expertise in financial analysis, risk assessment and credit structuring.
- Solid experience with the full credit cycle (policies, scoring, origination/approval, monitoring and collections).
Benefits
- Cost-sharing medical plan for employees and dependents.
- Clude Saúde: online medical consultations and other digital health solutions.
- Cost-sharing dental plan for employees and dependents.
- Meal allowance (Vale-alimentação) of BRL 1,000 per month and daily meal voucher (Vale-refeição) of BRL 35.54 per business day, both loaded on the Eva Card flexible benefits card.
- Wellhub: corporate platform for physical activity focused on quality of life and well-being, providing access to partner gyms and studios for employees and dependents.
- Home office allowance of BRL 140 per month.
- Work infrastructure provided.
- Corporate University.
- Tuition assistance/scholarships for employees and dependents, in accordance with company policy.
- Language course assistance for employees, in accordance with company policy.
- Extended maternity leave of 7 months and extended paternity leave of 30 days, also available to adoptive parents.
- Life insurance.
- Emotional health program and discounted psychological counseling for employees and dependents via the Moodar platform.
- Benefits club with exclusive discounts and partner offers for Efí employees.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
financial analysisrisk assessmentcredit structuringcredit policiesportfolio performance monitoringcredit cyclecredit scoringcredit originationcredit approvalcollections
Soft Skills
team leadershipstakeholder coordinationstrategic guidanceperformance monitoringtechnical authoritybehavioral development
Certifications
Bachelor’s degree in Business AdministrationBachelor’s degree in StatisticsBachelor’s degree in EconomicsBachelor’s degree in Accounting