Remote Credit Risk Data Scientist

Description:

• 99x Brazil is seeking a dedicated Credit Risk Data Analyst to enhance the team and drive risk management strategies within clients.
• The role involves analyzing risk factors, assessing their impact on business, and recommending strategies to mitigate identified risks.
• The analyst's expertise will be vital in maintaining compliance, optimizing processes, and effectively managing potential threats.
• Responsibilities include conducting detailed portfolio analysis using advanced statistical techniques to identify trends, concentrations of risk, and emerging risk factors.
• The analyst will review risk-based pricing models to align loan pricing with underlying credit risk while maintaining competitive positioning.
• Collaboration with product and underwriting teams is required to develop and optimize credit policies based on data-driven insights.
• Monitoring loan performance against expected outcomes, identifying deviations, and recommending policy/model adjustments is essential.
• The role includes generating risk reports and developing automated dashboards and visualization tools to enhance monitoring efficiency and risk communication.
• The analyst will create and maintain thorough documentation of all models, methodologies, and assumptions to ensure regulatory compliance.
• Researching and implementing innovative analytical techniques to improve predictive accuracy of risk models is part of the job.
• Performing vintage and cohort analysis to evaluate the performance of different loan populations over time is required.
• Identifying early warning indicators for credit deterioration and developing proactive mitigation strategies is crucial.
• Staying current with industry trends, best practices, and emerging analytical methodologies in consumer credit risk is expected.

Requirements:

• A BSc or higher in Finance, Business Administration, Risk Management, or a related field is required.
• A minimum of 2 years of experience in risk analysis, compliance, or a related financial role is necessary.
• Strong analytical skills with a focus on data interpretation and statistical methods are essential.
• Knowledge of risk management frameworks and regulatory requirements relevant to the industry is required.
• Proficiency in SQL for data querying and manipulation is necessary.
• Proven experience as a Data Analyst or in a similar role, with strong data manipulation and analysis expertise is required.
• Excellent verbal and written communication skills for effective reporting and collaboration are essential.
• The candidate must be detail-oriented with strong organizational skills and the ability to manage multiple projects simultaneously.
• Advanced English proficiency for communication with international teams is required.

Benefits:

• Employees can choose their preferred employment model: CLT/PJ/Cooperativa.
• The company provides resources for growth and learning on the job, including online courses, mentoring, and the latest generation laptops.
• A fully remote work environment with flexible working hours is offered.
• There is a bonus for any referrals that the company ends up hiring.