PagBank

Credit Risk Coordinator

PagBank

full-time

Posted on:

Location Type: Hybrid

Location: São Paulo • Brazil

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Tech Stack

PythonSQL

About the role

  • Monitor and analyze the performance of the credit portfolio, tracking indicators such as delinquency, roll rates, vintage (cohort) analysis, losses, and risk migration.
  • Identify trends, emerging risks and opportunities for improvement through portfolio analyses.
  • Define and review credit risk policies, ensuring alignment with the institution's risk appetite.
  • Evaluate, critique and approve proposed credit policies, ensuring adherence to risk guidelines.
  • Assess the impact of changes in credit strategy on the portfolio's risk and profitability.
  • Support decisions related to portfolio expansion, ensuring a balance between growth and portfolio quality.
  • Analyze and monitor regulatory risk metrics, including expected loss and its components (PD, LGD, and CCF), as well as forward-looking approaches in the context of IFRS 9 and Resolution 4966.
  • Prepare analyses and materials to support decision-making in executive risk forums.

Requirements

  • Bachelor's degree in finance, mathematics, engineering, data science, or related fields.
  • Advanced experience with credit risk in financial institutions, fintechs, or consultancies.
  • Advanced experience in credit portfolio analysis and monitoring.
  • Intermediate to advanced knowledge of risk indicators such as delinquency, roll rates, vintage analysis, losses, and risk migration.
  • Intermediate to advanced knowledge of expected loss concepts and risk metrics (PD, LGD, CCF).
  • Intermediate experience with data analysis using Python (data manipulation and analysis), SQL, or Excel.
Benefits
  • Meal allowance and/or meal vouchers.
  • Health and dental insurance.
  • Life insurance.
  • Partnerships with TotalPass and ZenKlub.
  • Extended maternity and paternity leave.
  • Childcare assistance.
  • Up to 50% discounts on postgraduate and MBA programs from major institutions such as FIA, FAAP and PUCRS.
  • No dress code: wear what makes you comfortable.
  • #TáDeParabéns: Day off on your birthday.
  • Baby Gift: present for newborns.
Applicant Tracking System Keywords

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

Hard Skills & Tools
credit risk analysiscredit portfolio analysisdata analysisPythonSQLExcelrisk indicatorsexpected loss conceptsrisk metricsvintage analysis
Soft Skills
analytical skillsdecision-makingcommunicationcritical thinkingproblem-solving
Certifications
Bachelor's degree