Credit Risk Analyst

Join CloudWalk as a Credit Risk Analyst and help build the future of payments while shaping and maintaining our credit risk framework in compliance with BACEN regulations.

Requirements

• Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020)
• Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collection, and recovery
• Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk
• Hands-on experience with IFRS 9 ECL modeling (Stages 1, 2, 3) and provisioning methodologies
• Proven experience developing and validating ML/AI credit risk models
• Strong programming skills (Python, SQL, R, or SAS) for modeling, validation, and stress testing
• Familiarity with ICAAP and capital adequacy processes
• Understanding of model governance, documentation, and audit requirements
• Advanced English communication

Benefits

• Competitive salary
• Stock options
• Generous Paid Time Off
• 401k Matching
• Retirement Plan