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Credit Risk Analyst – Junior
Honda BrasilAnalista de Risco de Crédito Jr supporting credit risk analysis for consortia sales. Working with indicators and credit policies at Honda's São Paulo office.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, risk monitoring, and data evaluation, with proficiency in tools such as SQL and Power BI. Capable of supporting policy reviews and collaborating with cross-functional teams to enhance credit processes.
Highest-signal resume keywords
Credit AnalysisRisk MonitoringData AnalysisSQLPower 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 AnalysisData AnalysisStatistical AnalysisFinancial AnalysisExcelSQLSASPythonRCredit Risk
Soft Skills
CollaborationCommunicationOrganizational SkillsAttention to DetailProblem-Solving
Tools & Technologies
Power BISQLDecision EnginesCredit WorkflowsData Analysis Tools
Certifications & Qualifications
Courses in Consumer Credit AnalysisCourses in Credit RiskCourses in Score ModelingCourses in Consórcio Fundamentals
Industry Keywords
ConsórcioConsumer CreditApproval RateDelinquencyConversionCredit BureausApproval FlowsCredit Workflows
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Support credit analyses during quota sale and award (contemplation) processes.
- Monitor risk indicators of consórcio portfolios, such as approval rate, delinquency, conversion and volume.
- Evaluate basic eligibility criteria, income and repayment capacity.
- Support studies to review policies, rules, processes and cut-offs.
- Assist in building management reports, controls and presentations.
- Support testing and validation of new credit policies.
- Monitor implementations in decision engines and approval workflows.
- Interact with partner areas such as Sales, Operations, Collections, Risk and IT.
- Support audit requests, information gathering and organization of evidence.
Requirements
What you’ll need- Bachelor's degree in Statistics, Mathematics, Data Science, Engineering, Economics or related fields.
- Experience in financial areas or data analysis for individual customers.
- Basic knowledge of consumer (individual) credit analysis.
- Basic knowledge of consórcio, financing or consumer credit.
- Familiarity with credit indicators such as approval rate, delinquency and conversion.
- Intermediate Excel skills.
- Willingness to travel.
- Basic knowledge of SQL, Power BI or data analysis tools.
- Experience with credit bureaus.
- Familiarity with approval flows, credit workflows or decision engines.
- Courses in consumer credit analysis, credit risk, score modeling or consórcio fundamentals.
- Knowledge of SAS, Python or R.
Benefits
Comp & perks- Career development and networking programs
- Discounts on our Honda products
- Annual bonus
- Psychological Support and Well-being Program
- Childcare assistance for mothers
- Health insurance
- Dental plan
- Wellhub (Gympass)
- Private pension plan
- Life insurance
- Flexible hours bank (time bank) to be used as needed
- Flexible working hours
- Flexible meal benefit
- Free shuttle service
- Transportation allowance
- On-site company parking