Tecnofit

Backend Engineer

• Develop and maintain back-end solutions using Node.js;
• Analyze backup data and develop import scripts or integrations to migrate data between systems;
• Design, evolve and maintain the data import system, ensuring its efficiency and scalability;
• Perform corrective and evolutionary maintenance on existing systems according to user needs;
• Implement new features in the import system based on product requirements;
• Refactor code and optimize existing functionality to pursue continuous improvement;
• Write and maintain automated tests (unit and integration) to ensure code quality;
• Proactively identify and fix bugs, contributing to system stability and reliability.

Mid-level Developer, Node.js, PHP

Analyst

• Build and evolve the company's credit policy (eligibility criteria, limits, terms, rates, and collateral).
• Define approval, re-review, and blocking rules.
• Create analytical models that balance growth and risk.
• Support the definition of product parameters related to credit offerings.
• Analyze balance sheets, income statements (P&L), and clients' cash flows.
• Assess repayment capacity and capital structure.
• Interpret financial indicators (leverage/debt levels, margins, EBITDA, liquidity).
• Conduct qualitative and quantitative analyses to support decision-making.
• Support credit committees and recommend well-founded approvals or declines.
• Monitor delinquency indicators (D30, D60, D90).
• Monitor portfolio performance, concentration, and exposure by client.
• Identify signs of deterioration and propose corrective measures.
• Support the definition of loss provisioning and stress scenarios.
• Validate contracts, CCBs, and documentation structure.
• Act as the technical interface with Legal, financial partners, and structurers.
• Ensure adherence to applicable regulatory standards.
• Support audits and internal reviews related to the credit portfolio.
• Prepare eligibility lists for the commercial/CS teams.
• Define offering criteria within the product.
• Work with internal teams to automate credit approval rules.
• Support financial planning with risk and return projections.
• Develop internal scoring models.
• Build executive reports on risk and profitability.
• Conduct predictive analyses to anticipate delinquency.
• Support strategic decisions on expansion or operational adjustments.

Mid-level Developer, Node.js, PHP

Senior Credit Analyst