Credit Policy Consultant

Vivo (Telefônica Brasil)

. Develop and review credit policies for installment products .

Posted 9/17/2026full-timeSão Paulo • BrazilMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and reviewing credit policies, conducting product analyses, and managing origination metrics. Proficient in utilizing Power BI, VBA, SQL, and Python to drive data-informed decision-making and improve credit product performance.

Highest-signal resume keywords

Credit And Collections ExperiencePower BIVBASQLPython

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Policy DevelopmentProduct AnalysisPerformance ImprovementDelinquency SolutionsMarket ResearchFinancial CalculationsCredit Market Knowledge

Soft Skills

Excellent Communication SkillsTeam CollaborationLogical Reasoning

Tools & Technologies

Microsoft Office

Industry Keywords

BankingStartups

Tech Stack

Tools & technologies

SQLVBA

About the role

Key responsibilities & impact

Develop and review credit policies for installment products
Conduct detailed product analyses, identifying opportunities to improve performance
Manage and monitor origination metrics
Propose effective solutions for delinquency cases
Conduct market research and identify new trends and successful practices
Prepare management reports to support the company’s decision-making process
Develop short- and long-term projections aligned with the company’s strategies to identify opportunities to drive improved results

Requirements

What you’ll need

Experience in Credit and Collections
Excellent communication skills and the ability to work as part of a team
Clear and objective communication
Experience in banking or startups
Strong logical reasoning skills
Knowledge of calculations and financial products related to the credit market
Required: Power BI, VBA, SQL, Python, and Microsoft Office

Benefits

Comp & perks

Flexible benefits platform for employees and dependents, including gym membership, meal vouchers, food vouchers, pharmacy assistance, medical and dental coverage, and life insurance
Company-issued mobile phone
Unlimited voice and data plan
Discounts on landline, broadband, TV, and Vivo app services
Annual bonus or Profit-Sharing Program (PPR)
Private pension plan
Subsidy for school, daycare, or nanny expenses
Remote work up to twice a week
Flexible working hours
Birthday day off
Corporate volunteering program
Educational Development Program with discounts at educational institutions, as well as on certifications and online courses
Internal Recruitment Program in Brazil or abroad
#VivoWellness Program, including consultations with a nutritionist and psychologists, social services, and telemedicine