Credit Risk Specialist
CloudWalkSão Paulo, Brazil
Posted January 29, 2026
Full Time
About the Company
At CloudWalk, you’ll join a mission-driven team transforming payments in Brazil and beyond.
Job Description
As a Credit Risk Specialist, you'll be part of a high-performing Risk Management team shaping and maintaining our credit risk framework in full compliance with Banco Central do Brasil (BACEN) regulations. You'll take a hands-on role managing and monitoring retail credit risk exposures across merchant and consumer portfolios in a Type 3 / Segment S3 financial institution operating in the payments and acquiring space.
Requirements
- Solid understanding of BACEN credit risk regulations
- Deep expertise across the retail credit lifecycle
- Experience in the payments and acquiring industry
- Hands-on experience with IFRS 9 ECL modeling and provisioning methodologies
- Proven experience developing and validating ML/AI credit risk models
- Strong programming skills (Python, SQL, R, or SAS)
- Familiarity with ICAAP and capital adequacy processes
- Understanding of model governance, documentation, and audit requirements
Benefits
- Competitive salary
- Health insurance
- Retirement plan
- Generous paid time off
- Opportunities for career growth and professional development
