Analista de Crédito Sênior (Foco em BigOps)

Accountabilities:: Conduct detailed and customized financial and accounting analyses of large companies and high-value business operations (BigOps). Prepare comprehensive credit assessments, technical opinions, and credit dossiers, consolidating risk analyses and financial findings into clear recommendations and presentation materials, including PowerPoint presentations. Communicate directly with internal and external clients and business partners to clarify questions and address matters related to credit operations and customer activities. Evaluate requests for new credit limits and increases to existing limits for receivables advances, providing analytical support for credit decisions. Handle internal service requests and ensure timely, effective resolution of operational and credit-related demands. Review previously granted credit limits, monitoring changes in companies' financial capacity, performance indicators, and risk profiles. Continuously monitor the portfolio of large corporate accounts (BigOps), identifying early warning signals, changes in financial conditions, and unusual operational behavior. Identify opportunities to improve credit operations processes, eliminate repetitive manual activities, and incorporate AI-powered tools to increase productivity and accuracy. Develop, maintain, and monitor operational metrics and tracking spreadsheets to support workload management, performance monitoring, and decision-making. Collaborate with commercial teams and other business areas to strengthen relationships, improve workflows, and support sustainable business growth. Participate in credit committees and communicate financial assessments and recommendations with clarity and confidence. Requirements: Previous professional experience in credit analysis or credit operations. Proven experience conducting corporate credit analysis (B2B/PJ), preferably involving medium-sized and large companies. Bachelor's degree in Business Administration, Economics, Accounting, or a related field. Postgraduate studies currently in progress in Finance, Credit and Collections, Economics, or a related discipline. Intermediate to advanced proficiency in Microsoft Office, particularly Excel and PowerPoint. Strong ability to interpret financial indicators and assess credit applicants' financial conditions. Practical experience analyzing financial statements and supporting documentation, including Balance Sheets, Income Statements (DRE), revenue figures, and Central Bank Credit Information System reports (SCR). Knowledge of credit bureaus and the use of external credit information to support risk assessments. Strong financial and accounting analytical skills, with the ability to identify potential risks and make well-supported credit recommendations. Excellent communication and storytelling skills, with the ability to translate complex financial information into clear, structured presentations. Strong negotiation and stakeholder management skills, particularly when interacting with clients, commercial teams, and business partners. Proactive, organized, and detail-oriented approach, with the ability to manage multiple demands and solve complex problems independently. Good judgment and critical thinking, balancing business opportunities with financial risk management. Nice to Have: Specialized training or certifications in credit analysis. Additional courses in financial statement analysis and accounting fundamentals. Experience with large corporate credit portfolios and receivables financing operations. Familiarity with process automation and AI-powered tools applied to financial and credit operations. Benefits: Employment contract: Full-time employment under the Brazilian CLT framework. Remote work: Fully remote working model, with home office support. Health and well-being: Medical and dental insurance with no employee copayment, life insurance, and financial assistance for medication and physical activities. Mental health support: Four free monthly sessions with a therapist or nutritionist through a well-being platform. Financial wellness: Access to financial education and support programs. Flexible meal allowance: Flexible food and meal benefits through a Visa-branded card. Family support: Childcare assistance, parental support programs, and extended maternity and paternity leave. Education and professional development: Training platform and education assistance covering up to 70% of eligible undergraduate and language course tuition, as well as support for purchasing courses and books. Home office assistance: Monthly remote-work allowance, work equipment, and furniture assistance. Coworking flexibility: Access to coworking spaces throughout Brazil through a partner network. Work-life balance: Birthday day off and happy hour allowance. Performance incentives: Annual goal-based bonuses and employee referral rewards. Long-term incentives: Stock options program. Work environment: Collaborative and informal culture, with no mandatory dress code and opportunities for continuous learning and professional growth.