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Credit Risk - Modeling Specialist

8 hours, 32 minutes ago
Brazil
Full-time
Senior
Data Scientist
Data Science and Analytics
Python R SQL
Apply Now
CloudWalk

CloudWalk

CloudWalk focuses on developing an advanced payment network that empowers entrepreneurs by providing a comprehensive service for creating, deploying, and managing applications for POS terminals and smartphones, utilizing cutting-edge technology such as...

Diversified Financial Services
51-250
Founded 2013
$334M raised
View All Jobs 24

Description

  • Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
  • Monitor and manage retail credit exposures across merchant and consumer portfolios from origination through portfolio performance.
  • Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
  • Build 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 assess portfolio resilience.
  • Collaborate with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability.
  • Prepare and present insights and reports for senior management and regulators.

Requirements

  • Solid understanding of BACEN credit risk regulations, including Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, and Circular 3.978/2020.
  • Deep expertise across the retail credit lifecycle, including 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, including Stages 1, 2, and 3, and provisioning methodologies.
  • Proven experience developing and validating ML/AI credit risk models.
  • Strong programming skills in 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 skills.
  • Experience in a fast-paced, high-growth environment is preferred.

Benefits

  • Remote / full-time work arrangement.
  • Opportunity to work at a high-growth company building the future of payments.
  • Exposure to modern analytics, automation, and AI-driven risk systems.
  • Work in a role with direct impact on compliance, portfolio safety, and innovation.

Interested in this position?

Apply directly on the company website

Apply Now

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