Analista Sênior de Inteligência de Negócios e Performance de Portfólio - PER

Accountabilities:: - Portfolio Strategy and Business Intelligence Develop customer segmentation and clustering strategies based on profiles, transactional behavior, growth potential, profitability, and risk. Analyze customer cohorts, lifecycle stages, retention, inactivity, recovery, and engagement patterns. Identify opportunities for customer acquisition, activation, monetization, expansion, and retention. Build commercial and financial prioritization models based on economic potential, conversion probability, and execution effort. Develop customer lifecycle strategies tailored to different customer profiles and relationship stages. - Business Performance and Financial Analysis Monitor and analyze key business indicators, including commercial performance, activation, TPV, receivables assignments, revenue, margins, and profitability. Investigate significant performance variations, identifying growth patterns, declines, slowdowns, inactivity, and recovery opportunities. Formulate and validate hypotheses to understand the drivers behind business performance changes. Analyze portfolio behavior by customer, segment, channel, sales representative, product, and period. Produce executive-level reports and recommendations supported by evidence and measurable economic impact. - Revenue Growth and Monetization Identify opportunities to increase TPV, receivables transactions, revenue, and contribution margins. Develop monetization strategies aligned with customer profiles, potential, and financial behavior. Evaluate profitability by customer, segment, and cohort, considering revenue, servicing costs, and economic contribution. Support initiatives aimed at increasing customer lifetime value (LTV), retention, and adoption of financial products. Identify opportunities to reactivate customers experiencing declining transaction volumes or inactivity. Assess the financial feasibility and expected return of commercial initiatives. - Commercial Strategy and Initiative Management Work alongside commercial leadership to define portfolio priorities and growth opportunities. Support the development of targeted offers, campaigns, and commercial approaches. Structure activation, retention, recovery, and expansion initiatives with clear objectives, responsibilities, timelines, and performance indicators. Monitor execution, identify deviations, and recommend adjustments when necessary. Measure the impact of implemented initiatives on activation, TPV, retention, revenue, and profitability. Contribute to monthly business performance reviews through strategic analysis and recommendations. - Data Intelligence and Advanced Analytics Collaborate with BI and Technology teams to define data requirements, integrations, business rules, and portfolio management indicators. Support the development and improvement of analytical databases, ensuring data consistency, traceability, and reliability. Specify dashboards, reports, automated alerts, and analytical tools to support commercial and financial decisions. Identify data gaps and recommend solutions to improve analytical capabilities. Explore and implement BI, artificial intelligence, and advanced analytics tools to improve productivity and decision-making. Support predictive modeling, customer propensity analysis, segmentation, anomaly detection, and automated performance monitoring. Validate analytical and AI-generated results, considering business context, data quality, and methodological limitations. Requirements: Bachelor's degree in Business Administration, Economics, Engineering, Statistics, Data Science, Information Systems, or a related field. Significant experience in business intelligence, analytical portfolio management, commercial performance, growth, monetization, or related areas. Professional experience in acquiring, payment processing, credit, fintech, financial services, or businesses managing recurring customer portfolios. Strong background in customer behavior analysis, segmentation, cohort analysis, activation, retention, and profitability. Proven ability to investigate performance variations, formulate and validate hypotheses, and translate analytical findings into business recommendations. Practical SQL knowledge and the ability to independently explore, query, and validate datasets. Proficiency in BI tools such as Power BI or equivalent platforms, including dashboard development and management reporting. Knowledge of applied statistics, trend analysis, seasonality, correlation, and performance evaluation. Ability to translate complex analytical findings into actionable business priorities with measurable financial impact. Strong executive communication, structured thinking, problem-solving, and cross-functional collaboration skills. Nice to have: Specific experience with payment acquiring, TPV, receivables anticipation or assignment, and financial portfolio monetization. Knowledge of Python and predictive modeling techniques. Experience with AI-powered analytics, automated analysis, and advanced analytics platforms. Background in propensity modeling, advanced segmentation, and customer behavior forecasting. Familiarity with CRM platforms, customer lifecycle strategies, and campaign automation. Knowledge of experimentation methodologies, A/B testing, and incremental impact measurement. Experience with data integration projects and initiatives to improve business analytical maturity. Benefits: Fully remote working model. Birthday day off. Flexible dress code and a relaxed working environment. Access to internal events and team engagement activities. Professional development and continuous learning opportunities. Support for undergraduate and postgraduate education. Access to online and in-person training programs. Opportunity to work in a growing business focused on innovation, data-driven decisions, and strategic transformation. Inclusive and collaborative environment that values professional development and social impact.