Senior Credit Risk Analyst

1 Week ago • All levels

Job Summary

Job Description

As a Senior Credit Risk Analyst, you will oversee and challenge the first line of defense in managing credit risk, focusing on analyzing the health and performance of credit portfolios, particularly credit cards and personal loans. Your responsibilities include monitoring risk parameter models, analyzing credit risk exposure, participating in monthly accounting closing, enhancing controls within credit risk management, liaising with audit teams, and understanding regulations. This role impacts financial reporting accuracy and credit operations stability.
Must have:
  • Bachelor’s degree in a related field.
  • Analytical and problem-solving skills.
  • Coding skills (SQL, Python, Scala, or similar).
  • Knowledge of regulations on provisions and credit risk management.
  • Adaptability to dynamic work.
Good to have:
  • Advanced or Fluent English.
  • Experience with SOX controls.
  • Experience in developing or analyzing Expected Credit Loss models.

Job Details

About the team: 

The Credit Risk Squad is part of the 2nd line of Defense, responsible for managing and overseeing the credit risk function of our organization by providing independent oversight and challenge to the first line of defense. As a second line Credit Risk team, we are responsible for creating Expected Credit Losses (ECL) models that are used to calculate loss allowances, making sure the company’s credit risk is managed correctly and efficiently, participating end-to-end in the model development process, including, implementation,monitoring, ensuring operational quality of the data and supporting Finance accounting teams.

 

About the Role:

As a Senior Credit Risk Analyst within our Credit Risk Squad (part of the 2nd Line of Defense), you will play a crucial role in overseeing and challenging the first line of defense in managing credit risk. Your primary focus will be on analyzing the health and performance of our credit portfolio, particularly within the retail market portfolios, including credit cards and personal loans. You will contribute significantly to ensuring the company’s credit risk is managed effectively, with a strong emphasis on the universe of credit provisions.

 

Your key responsibilities will include:

  • Analyzing and monitoring risk parameter models (PD, LGD, EAD) relevant to our retail portfolios, ensuring they align with regulations like IFRS9. While not necessarily developing these models, you will be instrumental in measuring their performance through activities such as backtesting to assess their quality.
  • Performing in-depth analysis of credit risk exposure and its implications for expected credit losses (ECL) and loss allowances. This will involve understanding how changes in the credit portfolio impact our provisions.
  • Participating in monthly accounting closing activities, contributing to the creation of reports on loss allowance movements.
  • Actively contributing to the enhancement of our controls environment within credit risk management. This is crucial for ensuring compliance with regulations such as SOX.
  • Liaising with Internal and External Audit teams during model validation processes, ensuring adherence to regulatory requirements and SOX compliance in our operational processes.
  • Maintaining a strong understanding of relevant local and international regulations concerning provisions and credit risk management, including a surface-level understanding of standards like Bacen 4966 and IFRS9.
  • Leveraging your analytical and problem-solving skills to manipulate and learn from data related to the credit portfolio.
  • This role requires a strong analytical background, a keen understanding of credit risk principles, and the ability to contribute to a robust and compliant credit risk management framework. Your work will directly impact the accuracy of our financial reporting and the overall stability of our credit operations.

 

Qualifications:

  • Bachelor’s degree in Engineering, Economics, Math, Statistics, Physics or related fields
  • Analytical, problem solving and passionate to manipulate data in order to learn from it
  • Great coding skills (SQL, Python, Scala or other similar programming languages)
  • Knowledge and experience in local and international regulations regarding provisions and credit risk management
  • Adaptability to dynamic way of working/short term deliverables

 

Preferred qualifications

  • Advanced or Fluent English
  • Experience with SOX controls within risk management environment
  • Experience in developing or analyzing outputs of Expected Credit Loss models/PD/EAD/LGD

 

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