Senior Credit Analyst

Há 2 dias

São Paulo, Brasil Cashera Tempo integral

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Submit your resume in English About Cashera Cashera is a rapidly growing fintech and alternative lending company specializing in working capital solutions for small and medium-sized businesses. We provide flexible funding products, including merchant cash advances and lines of credit, helping businesses access capital quickly and efficiently. We are seeking a highly analytical Senior Credit Risk Analyst who can independently drive credit decisioning — approvals, declines, line assignment, and pricing strategy using data and SQL. This role sits at the intersection of underwriting judgment and quantitative analysis, supporting a direct lender serving small and medium-sized businesses (SMB/SME).

Key Responsibilities
- Independently run and develop SQL queries to support approval/decline decisions, credit line assignment, and pricing strategy across the portfolio.
- Evaluate business performance, repayment capacity, industry trends, and risk exposure to make informed credit decisions within established risk parameters.
- Manage and monitor existing portfolios, including credit limit reviews, utilization trends, renewals, and risk mitigation strategies.
- Conduct periodic account reviews and recommend line increases, decreases, or modifications based on data-driven analysis.
- Identify potential fraud, inconsistencies, and early warning signs of credit deterioration.
- Provide meaningful insights from data to influence decision-makers and drive improvements across underwriting, pricing, and collections.
- Present complex credit recommendations, data findings, and rationale to senior management.
- Help refine underwriting policies, risk models, pricing frameworks, and credit processes as the company scales. Required Qualifications
- 3+ years of experience in Credit Risk, Commercial Credit Analysis, SMB Lending, Alternative Finance, or Fintech Underwriting.
- Advanced SQL skills — you must be able to independently write and run complex queries to extract, analyze, and act on portfolio and application data.
- Experience with account management for LOC products and/or underwriting for a direct lending organization serving SMB clients.
- Proven analytics experience working as a risk or data analyst. Prior experience in the finance or lending industry preferred.
- Strong understanding of credit risk evaluation, with experience making independent lending decisions within established authority levels.
- You are data-driven, eager to understand the numbers and provide meaningful insights that shape approval, pricing, and line assignment strategy.
- Excellent analytical, decision-making, and communication skills — both written and verbal.
- Ability to thrive in a fast-paced fintech environment where competing priorities and "test and learn" iterations are the norm. Preferred Qualifications
- Knowledge of SQL or Python or PySpark.
- Candidates with an advanced degree may also be considered based on the depth and relevance of their experience.
- Experience with pricing strategy, factor rate modeling, or risk-based pricing in a lending context."

Senior Credit Analyst

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