Credit Risk Senior Analyst
hace 4 semanas
About Us
Nu was born in 2013 with the mission to fight complexity to empower people in their daily lives by reinventing financial services. We are one of the world’s largest digital banking platforms, serving millions of customers across Brazil, Mexico, and Colombia. For more information, visit our institutional page here.
About the team:
The Credit Risk Squad is part of the 2nd line of Defense, responsible for managing and overseeing the credit risk function of our organization by providing independent oversight and challenge to the first line of defense. As a second line Credit Risk team, we are responsible for monitoring credit risk exposure, conducting credit risk assessments, and providing guidance and support to the credit areas that execute credit decisions and manage credit risk on a day-to-day basis.
About the role:
- Challenge business models to find enhancement opportunities.
- Set up a reporting procedure to guarantee efficient communication regarding the Mexico portfolio credit risk to enable Nubank’s sustainable growth.
- Propose and monitor KPIs to explain changes in Nubank's credit risk portfolio.
- Review and monitor credit risk appetite.
- Share knowledge about the Mexico credit market and regulations with other stakeholders.
- Understand financial metrics related to profitability/earnings and costs.
- Experience in presentations to senior management to consolidate risk messages updates.
- Review and challenge credit policies defined by the first line.
Basic qualifications:
- Analytical, problem-solving, and passionate about manipulating data to learn from it.
- Bachelor’s degree in Engineering, Economics, Math, Statistics, Physics, or related fields.
- Manage Credit Risk either working in the first line or second line of defense, or even implementing credit risk-related projects (non-negotiable) .
- Knowledge of Credit Risk Models/Policies (Valuation/Risk-Returns), KPIs, ERM Requirements.
- Good coding skills (SQL, Python, Scala, or other similar programming languages), with experience handling large amounts of data (non-negotiable) .
- Advanced or Fluent English (non-negotiable) .
- Adaptability to a dynamic way of working/short-term deliverables.
Preferred qualifications:
- Knowledge in Expected Credit Loss models/PD/EAD/LGD, financial forecasting, and International Standards (such as IFRS9, Basel II, Basel III).
- Good communication skills (having the habit of presenting projects to Sr Stakeholders will be considered an advantage).
- Great toolbox of modeling or Machine Learning techniques.
Our Benefits:
- Vacations equal to 17 days.
- Year-end bonus (“aguinaldo”) equal to 1 month.
- Equity at Nu.
- Vales de despensa.
- Health insurance.
- Dental and Vision Insurance.
- NuCare - Our mental health and wellness assistance program.
- NuLanguage - Our language learning program.
Our Nu Way of Working:
Our work model is hybrid and has cycles that can be from two to three months according to the business of expertise. For every eight or twelve weeks of remote work, one will be at the office.
For more information, visit here.
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