técnico de análise de dados de crédito - credit risk data analyts (m,f,x).

Direção de Risco e Compliance e na Unidade de Risco de Crédito e Análise de Dados de Risco.

The role involves independently assessing NPL portfolio, credit risk trends, and key risk metrics within the LOD2 framework, leveraging strong data analytics to produce high‑quality insights and materials for senior governance.
It includes executing second‑line credit risk controls and collaborating closely with first‑line teams to ensure alignment and effective issue resolution.

Main tasks:
 
Independently monitor, analyze, and challenge NPL performance, and overall credit risk trends, and risk metrics in line with the Group Internal Risk Policies and within the LOD2 (second line of defense) framework.

Prepare robust data, analysis, and materials for Risk Committees and Senior governance forums.

Design, execute, and document second-line credit risk controls, ensuring compliance with Internal Group Risk Policies and regulatory expectations.

Proactively liaise with LOD1 (ie. Finance, Commerce, Operations), and other stakeholders to ensure alignment and effective issue remediation​.

Strong analytical mindset, team player, proactive and curious.

Proficient in English (written and spoken).

Native or proficient Portuguese (written and spoken).

Previously in contact and working in credit risk is valued, but not mandatory.

Academic background in Statistics, Mathematics, Business Management, Engineering, or similar.