Tecnofit

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.

Senior Credit Analyst

Full-stack Engineer

• Develop, maintain and enhance back-end solutions in PHP.
• Develop, maintain and enhance web front-end solutions, ensuring a good user experience and performance.
• Design and develop REST APIs, following industry best practices.
• Ensure solutions are scalable, secure, and high-performing.
• Create, optimize and maintain SQL queries in MySQL.
• Develop and maintain automated and integration tests.
• Conduct code reviews to promote code quality and standardization.
• Provide technical support to other developers, sharing knowledge and encouraging best practices.
• Use Artificial Intelligence to support productivity, task automation, and improvements to the development workflow.
• Plan and organize development activities, ensuring proper prioritization, predictability and focus on results.
• Work collaboratively, promoting teamwork and clear communication with Product, UX and other company areas.
• Maintain a continuous learning mindset, pursuing technical growth and ongoing updates.

Full Stack Developer – Senior

Product Manager

• Lead the full product development cycle — from discovery to delivery — aligning with the company’s strategic goals.
• Develop and prioritize the backlog, balancing technical, design and business needs.
• Create and communicate strategic roadmaps aligned with company objectives.
• Collaborate with design, engineering, marketing teams and stakeholders to build solutions that deliver real value to users.
• Define clear, detailed business rules for product features and validate developed solutions, ensuring compliance and quality.
• Monitor product development alongside the launch plan and ensure adoption of implemented features.
• Conduct qualitative and quantitative research to identify market needs and validate hypotheses.
• Define, track and optimize product performance KPIs, using insights to drive continuous improvements.
• Run usability tests, feedback sessions and experiments (such as A/B tests) to validate and refine product decisions.
• Foster a culture of continuous experimentation, prioritizing rapid delivery, hypothesis validation and ongoing product improvement.
• Monitor market trends and benchmarks to identify innovation opportunities and keep the product competitive.

DevOps Engineer

• Support the entire service lifecycle, from inception and architecture to deployment and operations;
• Provide consultancy and support for platform design, development, and capacity planning;
• Maintain production services, measuring and monitoring availability, latency, and overall system health;
• Improve systems sustainably through automation, aiming for solutions that are performant, scalable, and highly available;
• Develop automations and processes for development teams.

Senior Credit Analyst

Full Stack Developer – Senior

Product Manager

DevOps Analyst, Senior