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Credit Policy Specialist – Private Payroll-Linked Loans Focus
Banco Fibra. Define, implement, review, and monitor credit policies and strategies for Private Payroll-Linked Loans .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Credit Policy and Credit Strategy, with a strong focus on Private Payroll-Linked Loans. Proficient in conducting quantitative analyses and utilizing advanced analytical tools to drive data-informed credit decisions and strategies.
Highest-signal resume keywords
Credit Policy DevelopmentAdvanced SQL SkillsQuantitative AnalysisPrivate Payroll-Linked Loans ExperienceAnalytical Reasoning
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit PolicyCredit StrategyCredit RiskRisk SegmentationQuantitative AnalysisData AnalysisStatistical AnalysisLending CriteriaDelinquency IndicatorsProfitability Metrics
Soft Skills
Analytical ReasoningCritical ThinkingCommunication SkillsCollaborationInfluencing Decisions
Tools & Technologies
SQLPythonData Extraction ToolsStatistical ToolsDecision Engines
Industry Keywords
Private Payroll-Linked LoansRetail BankingCredit ProductsMarket ChangesRegulatory Changes
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Define, implement, review, and monitor credit policies and strategies for Private Payroll-Linked Loans
- Define and enhance eligibility, approval, credit limit, approval authority, and credit rule criteria
- Develop risk segmentation strategies based on borrower, employer, customer relationship, and credit behavior
- Analyze portfolios, vintages, delinquency, losses, approval rates, originations, concentration, and performance indicators
- Develop quantitative studies and exploratory analyses using large volumes of data
- Support the evolution of credit models and decision engines, including definition, parameterization, testing, and monitoring
- Assess the impact of policy changes, commercial strategies, and new initiatives on approval rates, risk, losses, and profitability
- Develop analyses and recommendations to identify target audiences and segments with growth potential
- Work cross-functionally with Product, Sales, Risk, Pricing, Collections, Operations, Data, and Technology teams
- Monitor market and regulatory changes related to Private Payroll-Linked Loans
- Serve as a technical reference for Private Payroll-Linked Loans and Credit Policies
Requirements
What you’ll need- Bachelor’s degree in Engineering, Statistics, Mathematics, Economics, Business Administration, Data Science, or a related field
- Solid experience in Credit Policy, Credit Strategy, or Credit Risk, preferably in the retail banking segment
- Experience with payroll-linked lending; specific experience with Private Payroll-Linked Loans is highly desirable
- Knowledge of lending criteria, risk segmentation, delinquency indicators, vintages, losses, and profitability metrics for credit products
- Experience conducting quantitative analyses and handling large volumes of data
- Advanced SQL skills for data extraction, manipulation, and analysis
- Knowledge of Python and/or other analytical tools for conducting studies, automating processes, and performing statistical analyses
- Ability to translate quantitative analyses into clear recommendations for credit and business decisions
- Strong analytical reasoning and critical-thinking skills, with the ability to investigate root causes, challenge assumptions, and identify opportunities through data
- Strong communication skills and the ability to influence decisions and collaborate across technical and business teams
Benefits
Comp & perks- Compensation aligned with financial market standards
- Meal and food allowances
- 13th-month food allowance payment
- Profit-sharing bonus
- Medical insurance
- Transportation allowance
- Gympass
- Dental insurance
- Childcare, nanny, and dependent children with disabilities assistance
- Extended maternity and paternity leave
- Annual flu vaccination
- Birthday day off
- Flexible working hours
- Educational partnerships