CloudWalk - Credit Risk Analyst
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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 • Analytical mindset: able to translate data into actionable insights. • Hands-on and execution-driven; you get things done and iterate fast. • Automation-first mindset: constantly improving processes with AI and tech. • Excellent communicator and storyteller; you simplify complex ideas. • Collaborative and curious, working seamlessly with Data Science, Risk, and Business teams. • Detail-oriented with strong analytical accuracy. • Proactive and adaptable in a fast-paced, high-growth environment. • Strong ethical judgment and integrity in handling sensitive data.
Responsibilities
• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards. • Monitor and manage retail credit exposures from origination and underwriting to scoring and portfolio performance. • Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring. • Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows. • Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s RAS. • Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience. • Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability across models. • Prepare and present insights and reports for senior management and regulators.
Benefits
• At CloudWalk, you’ll join a mission-driven team transforming payments in Brazil and beyond. Here, you’ll work with cutting-edge data, AI, and technology to build the future of risk systems, advancing financial inclusion, empowering businesses, and pushing innovation forward every day.
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