Credit Risk Analyst

Há 17 horas

São Paulo, São Paulo, Brasil Nubank Tempo inteiro

About Us
Nu is one of the largest digital financial platforms in the world, with more than 127 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company's Most Innovative Companies, and Forbes World's Best Bank. Visit our institutional page

About The Role
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 assessment and providing guidance and support to the credit areas which execute credit decisions and manage credit risk on a day-to-day basis.

You'll be responsible for

  • Challenge credit business models to find enhancement opportunities
  • Set up a report procedure to guarantee an efficient communication and influence regarding Nubank credit portfolio performance to enable Nubank's sustainable growth
  • Propose and monitor KPIs in order to explain changes in Nubank credit risk portfolio
  • 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 first line
  • Leveraging your analytical and problem-solving skills to manipulate and learn from data related to the credit portfolio.

We Are Looking For a Person Who Has

  • Analytical, problem solving and passionate to manipulate data in order to learn from it
  • Bachelor's degree in Engineering, Economics, Math, Statistics, Physics or related fields
  • Great coding skills (SQL, Python, Scala or other similar programming languages)
  • Manage Credit Risk either working in the first line or second line of defense, or even implementing credit risk related projects

Preferred Qualifications

  • Advanced or Fluent English
  • Knowledge of Credit Risk Models/Policies (Valuation/Risk-Returns), KPIs, Enterprise Risk Managament Requirements

Location for this opportunity (City, Country)

  • São Paulo, Brazil

Our Benefits

  • Chance of earning equity at Nubank
  • Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)
  • Public Transportation Commuting Benefit (Vale-Transporte)
  • NuCare – Psychological, Financial and Legal Assistance Program
  • Life Insurance
  • Medical Plan
  • Dental Plan
  • NuLanguage – Language Course Program
  • Nucleo - Our learning platform of courses
  • Extended Parental Leave
  • Daycare Allowance
  • Parental Consultancy
  • Work-from-home Allowance
  • Gym Partnerships
  • 30 days of paid vacation
  • Relocation Assistance Package, if applicable

Work Model for this Role

  • Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit

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