Tecnofit

Senior Credit Analyst

Tecnofit

full-time

Posted on:

Location Type: Hybrid

Location: Curitiba • Brazil

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Job Level

Senior

About the role

  • 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.

Requirements

  • Degree in Business Administration, Economics, Accounting, Finance, or related fields.
  • Previous experience in credit analysis, fintech, banking, FIDC, and securitization firms.
  • Strong ability to read and interpret balance sheets and income statements (DRE).
  • Knowledge of CCBs, credit structures, receivables assignment, and funding vehicles.
  • Experience with risk analysis and portfolio monitoring.
  • Excel (financial modeling, scenario analysis, sensitivity analysis).
Benefits
  • Meal benefit: R$43.00 per day (only R$1 monthly deduction!) and paid during vacation as well 🎉
  • Unimed Health Plan: no co-pay during the probation period and the premium paid by Tecnofit! 🩺
  • Dental Plan (DentalUni): available during the probation period with no cost to the Tecnofitter! 🦷
  • Childcare assistance via reimbursement scheme 👶🏻
  • Life insurance: Allianz Seguros 🚩
  • Gazeta do Povo club!
  • Commuting allowance (optional): up to 6% payroll deduction. Note we work hybrid (3x per week in the office) 🚌
  • Perks & snacks: we have our Uneed and KUK shops at the office! For Tecnofitters who like to be present in the office, we also offer fruit salad, coffee, tea and more! ☕ 🍎
  • Physical and mental health support: reimbursement for physical activities and adventures, as well as psychological, psychiatric and nutrition appointments 🏃🏽
  • TotalPass: to boost your fitness routine 🏋️‍♀️
Applicant Tracking System Keywords

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

Hard Skills & Tools
credit policyanalytical modelsfinancial analysisrisk analysisportfolio monitoringfinancial modelingscenario analysissensitivity analysisinternal scoring modelspredictive analyses
Soft Skills
decision-makingcommunicationanalytical thinkingproblem-solvingcollaboration