Sicredi

Mid-level Credit Risk Analyst – Portfolio and Credit Risk Analysis

Sicredi

full-time

Posted on:

Location Type: Hybrid

Location: Porto Alegre • Brazil

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Tech Stack

PythonSQL

About the role

  • Conduct portfolio projection, provisioning and risk indicator routines, ensuring consistency with official datasets and approved assumptions;
  • Design and perform sensitivity and scenario analyses (base/stressed/mitigated), translating impacts into provisioning and financial results;
  • Develop and maintain projection and simulation models and artifacts (e.g., ECL, migration, vintage, delinquency/stage transitions, portfolio behavior);
  • Support the bank's budgeting cycle and inputs for cooperatives/central entities, aligning risk assumptions with financial projections;
  • Plan and operationalize stress testing exercises (scenarios and simulations), in coordination with RAS/ICAAP teams and internal governance;
  • Advance segmentation/cluster analyses and underlying datasets, supporting profiling of cooperatives and targeted action plans;
  • Produce executive materials and analyses for committees and management meetings (previews, closings, management reports), with clear and actionable narratives;
  • Ensure technical governance of figures (reproducibility, traceability, documentation, version control and controls);
  • Serve as the team's quantitative reference, supporting peers in methodological discussions, data quality and continuous process improvement;
  • Interact with partner areas (modeling, credit, product, finance, central/cooperatives) to align assumptions, interpret results and propose courses of action.

Requirements

  • Bachelor's degree in Statistics, Economics, Engineering, Mathematics, Data Science, Computer Science or related fields;
  • Practical experience in quantitative analyses applied to credit/risk/finance (modeling, projections, simulations, sensitivity analysis);
  • Proficiency with analytical tools (minimum: SQL and/or Python/R, plus advanced Excel; ability to automate routines);
  • Ability to structure end-to-end analyses: define assumptions, process data, model, validate and communicate results;
  • Organizational rigor when working with official figures: version control, traceability and documentation;
  • Clear communication skills to translate complex analyses into concise messages for non-technical audiences.
  • Experience with IFRS 9 / ECL and/or CMN Resolution 4.966 (staging, provisioning drivers, PD/LGD/EAD, overlays);
  • Experience with stress testing, macro scenarios, ICAAP/RAS, or similar risk management frameworks;
  • Experience with Power BI (data modeling, DAX, report governance) and integration with data pipelines;
  • Knowledge of segmentation/clustering techniques and portfolio analysis by profiles (e.g., cooperative clusters);
  • Experience in financial institutions, credit unions/cooperatives or risk consultancies, with interaction with business areas;
  • Familiarity with analytical engineering best practices (e.g., Git, environments, testing, pipelines, reproducibility).
Benefits
  • 14th and 15th fixed salary payments;
  • Profit-sharing (depending on seniority);
  • Health and Dental plans with no co-payment;
  • Wellbeing programs via Wellhub (formerly Gympass): nutrition, psychology, occupational health, massage, running groups and local gym;
  • Meal and Food vouchers – flexible percentage allocation between cards (VA/VR), with no co-payment;
  • Extended maternity and paternity leave;
  • Childcare or nanny allowance for children up to 6 years and 11 months;
  • Assistance for children with disabilities, no age limit;
  • Life insurance;
  • Private pension plan up to 8% of salary;
  • Training platform – Sicredi Aprende, offering a range of courses;
  • 40-hour work week – using a time bank system;
  • Remote work allowance (except for roles requiring 100% on-site presence).
Applicant Tracking System Keywords

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

Hard Skills & Tools
quantitative analysismodelingprojectionssimulationssensitivity analysissegmentation techniquesportfolio analysisfinancial projectionsdata validationautomated routines
Soft Skills
clear communicationorganizational rigormethodological discussionsprocess improvementactionable narrativescollaborationdata interpretationproblem-solvinganalytical thinkingstakeholder engagement