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Junior Credit Policy Analyst
Banco Mercantil. Support the development, review, update, and validation of credit policies and rules in decision engines.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in data analysis, credit policies, and risk management, with strong capabilities in SQL and Excel for effective decision-making. Proficient in translating complex data insights into actionable strategies within financial services or banking environments.
Highest-signal resume keywords
Data AnalysisCredit PoliciesSQLExcelFinancial Mathematics
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalysisSQLExcelDescriptive StatisticsFinancial MathematicsCredit PoliciesDecision EnginesData VisualizationPythonR
Soft Skills
Verbal CommunicationWritten CommunicationSynthesis of Information
Tools & Technologies
Power BITableauLooker
Industry Keywords
Financial ServicesBankingFintechCredit LifecyclePortfolio Management
Tech Stack
Tools & technologiesPythonSQLTableau
About the role
Key responsibilities & impact- 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.
Requirements
What you’ll need- Bachelor's degree in Economics, Business Administration, Engineering, Statistics, Mathematics, Data Science, Finance, or a related field.
- Previous experience, including internships, in data analysis, credit, risk, finance, business intelligence, or analytical functions—preferably in financial services, banking, or fintech.
- Basic to intermediate SQL skills.
- Intermediate to advanced Excel skills.
- Basic knowledge of descriptive statistics and financial mathematics, including interest, margin, delinquency, and loan-loss provisions (PDD).
- Strong data analysis and interpretation skills.
- Strong verbal and written communication skills, with the ability to synthesize information and present findings clearly.
- Knowledge of Python or R applied to data analysis is a plus.
- Experience with visualization tools such as Power BI, Tableau, or Looker is a plus.
- Basic knowledge of the credit lifecycle, from origination through portfolio management and collections, is a plus.
- Experience with credit policies, decision engines, or origination strategies is a plus.
- Experience in financial services, banking, or fintech is a plus.
Benefits
Comp & perks- Meal and food allowance (if preferred, you may receive both amounts on a single food allowance card)
- Health insurance
- Dental insurance
- Childcare assistance
- Life insurance
- Private pension plan
- Wellhub
- Mercantil Development Academy
- Profit-sharing plan (PLR)