Banco Mercantil

Analyst

• Participate in developing the strategy and creating marketing automation journeys, focused on maximizing customer retention, engagement, and Lifetime Value (LTV)
• Design and guide the strategic planning of customer engagement journeys, from conception and A/B testing through results evaluation
• Develop automation solutions in Salesforce Marketing Cloud, including Journey Builder, SQL, AMPscript, and data integrations
• Structure segmentation for large databases, ensuring hyper-personalization, governance, and campaign accuracy
• Manage and lead performance analysis of omnichannel journeys, translating data into actionable insights to increase ROI and conversion and reduce churn
• Serve as the focal point for the continuous optimization of customer relationships, integrating business objectives, data engineering/science, and technology architecture
• Partner with Product, Data, and Sales stakeholders and provide technical support to the team

Client Development Analyst – Mid-Level

Head of Department

• Lead the Internal Audit function, assessing risks, internal controls, governance, and regulatory compliance
• Plan and conduct audits focused on banking operations, branches, lending, risk, technology, information security, and fraud prevention
• Assess risks and controls related to audits and regulations issued by the Central Bank of Brazil (Bacen)
• Oversee Technology Audits, including technology risks, information security, cybersecurity, and technology-related fraud
• Report findings, risks, and action plans to Senior Management and governance committees
• Lead the team and strengthen a risk-based Internal Audit function focused on value creation

Head of Internal Audit

• Support the development, review, update, and validation of credit policies and rules in decision engines.
• Help ensure the proper execution of approval, origination, and credit-limit strategies.
• Extract, organize, and analyze databases to monitor key portfolio risk and performance indicators.
• Monitor indicators such as vintage, delinquency, overdue rates, roll rates, approval rates, and profitability/LPA.
• Support the preparation of studies and simulations to assess the impact of changes to credit policies on revenue, risk, and loan-loss provisions (PDD).
• Conduct analyses using concepts from statistics, financial mathematics, and credit fundamentals.
• Identify opportunities to improve policies and processes based on data analysis and portfolio results.
• Consolidate analyses and diagnoses into executive reports and presentations, translating data into clear insights to support decision-making.
• Partner with the Credit, Risk, Data, Business, and Technology teams to advance credit strategies.

Junior Credit Policy Analyst

Data Specialist

• Lead the development, validation, implementation, and monitoring of statistical and Machine Learning models applied throughout the credit lifecycle, including Credit Score, Behavior Score, PD, LGD, EAD, Collection Scoring, propensity models, and credit limit models.
• Develop predictive models using statistical and Machine Learning techniques, evaluating different approaches to enhance model discrimination and predictive power.
• Conduct cut-off and risk-return trade-off studies, translating model results into recommendations and rules applicable to credit policies.
• Collaborate with Credit, Risk, Data, and Business teams, connecting analytical results to origination strategies and portfolio management.
• Evaluate and incorporate alternative data, credit bureau information, and new data sources to enhance models.
• Monitor model performance and stability in production, tracking metrics such as KS, Gini, AUC, PSI, and CSI.
• Identify degradation, performance deviations, and changes in portfolio behavior, proposing model recalibration, retraining, replacement, or enhancement.
• Participate in model backtesting, calibration, and validation processes, ensuring robustness and compliance with business and regulatory requirements.
• Drive the continuous improvement of modeling techniques, tools, and methodologies used by the department.

Credit Data Modeling Specialist

Business Analyst

• Act as a strategic advisor to Product and Technology leaders, aligning people management with business objectives and the dynamics of technology and innovation ecosystems
• Monitor people metrics, including turnover, absenteeism, hiring SLAs, costs, and headcount
• Anticipate issues, generate insights, and develop preventive action plans
• Lead Performance Reviews, Calibration Committees, Succession Mapping, 9-Box assessments, and follow-up on Individual Development Plans (IDPs) with managers
• Support Recruitment and Selection in calibrating technical and product profiles, mapping future competencies, and monitoring strategic or confidential vacancies
• Mediate conflicts and support managers with complex feedback conversations and termination plans
• Reduce labor-related risks and strengthen the retention of technical talent
• Collaborate with Compensation, Learning and Development, Payroll and HR Administration, and Recruitment and Selection teams to simplify processes and ensure agile delivery to internal clients

Senior Human Resources Analyst – Business Partner

• Develop and propose organizational architecture models and salary structures to address business transformations and maintain internal equity
• Propose changes to compensation models, assessing their financial impact and effectiveness in attracting and retaining professionals
• Help maintain external competitiveness by analyzing and consolidating compensation market surveys and studies, and recommending adjustments to salary tables and structures
• Own the performance management cycle and its impact on employee development by defining tools, preparing procedures, monitoring completion, and designing and delivering training
• Own the merit review cycle by defining guidelines and analyzing proposals for employee movements, promotions, and job-level changes to ensure technical compliance
• Consolidate institutional and regulatory metrics and reports (Reference Form, Equity Report, and GPTW), providing thorough analyses to support management decision-making

Senior Compensation Analyst

Procurement

• Obtain quotes, negotiate, and contract freight services
• Approve and onboard new carriers and logistics operators by evaluating operational capacity, costs, and SLAs
• Develop and manage freight rate tables, ensuring competitiveness and optimizing operating costs