Analista de Políticas de Crédito - Financiamento de Veículos
Core
Define, implement, and monitor credit policies for vehicle financing products to balance portfolio growth, quality, and profitability.
Role type
Senior credit policy analyst (automotive financing)
Builds
Credit approval strategies, eligibility criteria, and decision rules for consumer segments
Domain
Automotive finance / Retail credit
Deliverable
dashboards & analysis
Required skills
SQL, Python, credit risk analysis, portfolio management, score model evaluation, regulatory compliance
Preferred skills
Cloud data platforms (AWS, Databricks), quantitative analysis
Responsibilities
Develop and test credit granting strategies and eligibility criteria; Analyze portfolio performance to identify improvement opportunities; Conduct exploratory studies using internal and external data; Monitor key risk and business indicators; Collaborate with Product, Commercial, Operations, and Tech teams; Evaluate effectiveness of score models and underwriting variables; Support leadership decision-making with business cases.