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Senior Credit Risk Analyst
Honda BrasilCredit Risk Analyst managing and reviewing credit policies for consortium loans. Collaborating with operational teams for compliance and performance tracking.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, policy development, and risk management within consortiums and financial institutions, ensuring compliance with Bacen regulations and internal policies. Proficient in utilizing analytical tools and methodologies to optimize credit granting processes and monitor portfolio performance.
Highest-signal resume keywords
Credit AnalysisCredit Policy DevelopmentRisk ManagementBacen CompliancePower BI
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisCredit PolicyRisk Profile AnalysisFinancial Capacity AssessmentPortfolio Performance IndicatorsApproval MetricsExcelMicrosoft OfficePower BICredit Risk
Soft Skills
CollaborationCommunicationProblem-SolvingAnalytical ThinkingAttention to Detail
Industry Keywords
ConsortiumsFinancial InstitutionsGovernanceRegulatory ComplianceLGPDDelinquencyCancellationsCredit Best PracticesOperational FlowsAudit
About the role
Key responsibilities & impact- Develop, review and apply credit policies for consortiums.
- Analyze documentation, financial capacity and risk profiles of consortium members.
- Define criteria for approval and release of letters of credit.
- Monitor risk indicators, delinquency, cancellations, subscription and performance.
- Propose improvements to credit policies, processes, workflows and rules.
- Support the implementation of rules in systems, decision engines and operational flows.
- Work closely with Operations, Sales, Collections, Risk and IT teams.
- Support audit, governance and regulatory compliance requests.
- Ensure adherence to Bacen regulations, internal policies and credit best practices.
- Identify risks and opportunities to optimize credit granting.
Requirements
What you’ll need- Bachelor’s degree in Business Administration, Economics, Accounting or related fields.
- Prior experience in credit analysis, credit policy or credit risk.
- Experience with consortiums, financial institutions, administrators or similar products.
- Knowledge of award/contemplation processes, credit release and guarantees.
- Experience analyzing repayment capacity, income, financial history and default risk.
- Knowledge of portfolio performance indicators, delinquency, cancellations and approval metrics.
- Understanding of consortium regulation, Bacen (Central Bank of Brazil), LGPD and compliance.
- Advanced knowledge of Excel and Microsoft Office suite.
- Practical experience with Power BI.
- Availability to travel.
- Intermediate English.
Benefits
Comp & perks- Career development and engagement programs
- Discounts on our Honda products
- Annual bonus
- Psychological support and wellbeing program
- Childcare assistance
- Health insurance
- Dental plan
- Wellhub (Gympass)
- Private pension plan
- Life insurance
- Flexible time bank to use when needed
- Flexible working hours
- Flexible meal benefit
- Free shuttle service
- Transportation voucher
- On-site company parking