Senior Credit Policy Analyst

Itaú Unibanco

Senior Analyst in Credit Policy at Itaú managing credit offers and optimizing delay recovery. Conducting risk analysis and providing strategic insights to support decision-making.

Posted 5/1/2026full-timeSão Paulo • 🇧🇷 BrazilSeniorWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Manage payroll-deductible loan offerings, ensuring risk control aligned with the business's strategic objectives.
Define, develop and implement credit granting and portfolio management strategies that drive sustainable results.
Strategically work on optimizing delinquency recovery, with an analytical mindset and a focus on efficiency.
Conduct complex analyses related to credit underwriting and delinquency management, supporting business decisions.
Analyze and monitor the origination and performance of the payroll-loan portfolio, proposing continuous improvements.
Place the customer and their needs at the center of decisions, balancing customer experience and risk.

Requirements

What you’ll need

Solid experience in credit analysis and credit management, with a focus on payroll loans.
Analytical, data-oriented profile with the ability to interpret metrics, identify opportunities, and support strategic decisions.
Experience with analytical tools such as Excel and SQL, and PowerPoint for executive presentations.
Experience in portfolio analysis, credit underwriting, risk indicators, and performance monitoring.
Data-driven profile with the ability to analyze large volumes of information, interpret metrics, identify patterns, and turn data into actionable insights for decision-making.
Ability to work cross-functionally, with strong engagement and interaction with other areas.
Critical thinking and a strong sense of prioritization, with autonomy to conduct complex analyses and propose improvements.
Strong communication skills to present and defend technical viewpoints clearly and objectively to different stakeholders.
Intermediate English proficiency.
Bachelor's degree in Data Science, Engineering, Economics, Computer Science, Information Systems, or related fields.

Benefits

Comp & perks

Meal allowance
Transportation allowance
Food allowance
Childcare assistance
Private medical insurance
Dental insurance
Life insurance
Private pension plan
Corporate partnerships with Gympass and Totalpass
Employee discounts at Univers (Drogasil and Droga Raia)
Access to stays and bookings at Itaú Unibanco Clubs (Guarapiranga, Itanhaém and São Sebastião)
Benefits and discounts at partner stores and service providers across Brazil and Latin America
"Fique OK" program (employee well-being program)
Corporate University (training and development)
Discounts on financial products and services

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysiscredit managementportfolio analysiscredit underwritingrisk indicatorsperformance monitoringdata analysisanalytical toolsExcelSQL

Soft Skills

analytical mindsetcritical thinkingprioritizationcommunication skillscross-functional collaborationcustomer-centric decision makingdata interpretationopportunity identificationautonomyengagement