Risk Analyst

About Credix

Credix is a FinTech company dedicated to growing businesses in Latin America. Building on our expertise, we now focus on providing a tailored Buy Now, Pay Later (BNPL) solution for B2B transactions in Brazil with our platform, CrediPay. CrediPay is created to help business grow their sales and improve their cashflow efficiency through seamless and risk-free credit offering. Sellers offer their buyers flexible payment terms at an attractive price point and receive upfront payments. We manage and protect our clients from any credit & fraud risk, letting them focus only on what matters: increased sales and profitability.

Why choose Credix?

• Become part of a forward-thinking start-up where boldness and a commitment to excellence are paramount, and your personal and professional development is at the forefront.
• Work alongside a dedicated team of bright individuals driven by an Olympian mindset to excel in every aspect of our operations. Together, we aim to build with velocity, utilizing innovative embedded finance strategies to expand business operations in Latin America.
• Experience a close and supportive work atmosphere where collaboration thrives, wise judgment guides our decisions, and you can learn, grow, and take on meaningful responsibilities.

About the job

In SME credit, advantage compounds through disciplined underwriting, fast learning cycles, and early detection of risks. As our Credit Analyst, you will strengthen our underwriting edge by translating financial data, behavioural signals, and real-world borrower performance into precise credit decisions- while continuously feeding insights back into our core decision models.

Responsibilities

• Conduct holistic credit analysis for SMEs: financials, cash-flows, tax compliance, bank data, concentration risks, behavioural signals.
• Produce concise, decision-ready credit memos with recommendations (approve / adjust / decline).
• Lead periodic reviews of high-exposure borrowers - liquidity evolution, leverage shifts, payment patterns, and macro impacts.
• Evaluate and recommend credit-limit increases based on performance, updated financials, and risk appetite.
• Maintain a closed-loop feedback mechanism between underwriting decisions and portfolio outcomes.
• Collaborate with Data to translate recurring insights into better thresholds, features, and model logic.
• Support portfolio monitoring with early-warning detection and risk-mitigation recommendations.
• Ensure underwriting discipline and audit-ready documentation.

Qualifications

• 2–3 years in IB, credit, structured credit, asset management, DCM or fintech underwriting.
• Strong financial analysis: liquidity, leverage, coverage, working-capital dynamics, seasonality.
• Familiarity with Brazilian tax reporting, accounting regimes, and corporate structures.
• Experience writing clear, investor-grade credit memos.
• Understanding of credit models (inputs, outputs, sensitivity) and ability to evaluate their strengths/weaknesses.
• Bonus: exposure to securitisation, structured credit, data-driven underwriting.
• High analytical rigor and precision in judgment.
• “Manager of one”- delivers independently with consistency.
• Strong verbal and written communication, both in English and Portuguese.
• Proactive in identifying trends, risks, and model improvement opportunities.
• Thrives in a high-velocity, high-accountability environment.
• Passion for modernising Brazil’s B2B credit market through technology and transparency.
• Integrity, long-term thinking, and intellectual honesty.

What we offer

Collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow. With access to our offices in Itaim Bibi, Sao Paulo, you’ll immerse yourself in a culture of innovation and collaboration.

But that’s just the beginning - here’s what else we offer:

• A culture of learning and experimentation: where you are encouraged to explore new ideas and technologies
• Competitive salary package: Your hard work deserves recognition, and we ensure you’re well-rewarded for your contributions.
• Equity stock options plan: Be a part of our journey towards success and share in the rewards.
• Paid holidays: Enjoy the flexibility to recharge and rejuvenate
• Off-sites: Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.