Business Analyst – Credit Risk

Zippi

Business Analyst focusing on credit performance and risk strategies at Zippi. Analyzing data and recommending improvements to support small businesses in Brazil.

Posted 5/16/2026full-timeRemote • 🇧🇷 BrazilMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Monitor, maintain and evolve credit policies (origination and ongoing customer lifecycle management), including filters, rules and decision-engine calibrations.
Monitor key credit-cycle metrics such as approval rates, delinquency, losses, return/profitability, cohorts, policy stability and decision quality.
Develop and run tests to challenge current policies (experiments and incremental changes), covering the full end-to-end workflow:
hypothesis definition and test design
alignment with stakeholders (Credit, Data Science, Product, Engineering, Ops)
specification for implementation and production deployment
monitoring, result analysis and recommendation
definition of rollout, guardrails and follow-up plan
Act directly in origination decisions: approve/decline, limit setting and pricing.
Support the development and evolution of models, bringing business perspective to help prioritize, set objectives and evaluate performance in partnership with the Data Science team (e.g., features, performance analyses, validations, monitoring and iteration).
Produce analyses and materials that support decision-making (dashboards, deep dives, post-mortems), communicating clearly to both technical and business audiences.

Requirements

What you’ll need

Previous experience in credit/risk/analytics (e.g., credit policies, risk strategy, underwriting, pricing, portfolio management, growth with a credit focus).
Strong analytical skills and critical thinking: formulate hypotheses, investigate causality, prioritize levers and recommend courses of action.
Solid SQL skills and comfort working with large datasets.
Experience monitoring KPIs and building/using dashboards (Metabase, Looker, Tableau, Power BI, etc.).
Good communication and ability to influence stakeholders (negotiate trade-offs and align decisions).
Ownership mindset and ability to drive end-to-end projects autonomously.
Nice to have: Python and/or familiarity with data pipelines and versioning.
Experience with experimentation (A/B testing, incremental tests, impact evaluation) and applied statistics.
Experience with pricing, profitability, payback, unit economics and loss forecasting.
Experience with credit models (development, validation, production monitoring) and/or alternative data (e.g., Open Finance).

Benefits

Comp & perks

Compensation at the higher end of the market;
Annual learning/development budget;
Health plan 100% paid by Zippi for you and dependents up to 18 years old. For spouses/partners, we cover 50% of the monthly premium;
Childcare assistance for children up to 6 years old;
Meal allowance via Caju;
Flexible vacation;
Wellhub and Zenklub (employee wellness platforms);
100% remote work.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

SQLPythonA/B testingapplied statisticscredit modelsdata pipelinesdecision-engine calibrationportfolio managementpricingloss forecasting

Soft Skills

analytical skillscritical thinkingcommunicationinfluence stakeholdersownership mindsetautonomous project managementhypothesis formulationresult analysisrecommendationstakeholder alignment