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Jobs/Credit Risk - Modeling Specialist

Credit Risk - Modeling Specialist

cloudwalk

São Paulo Remote Posted 6d ago
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At CloudWalk, we’re building the future of payments — and risk is at the heart of making that happen responsibly.  As a Credit Risk Analyst, you’ll be part of a high-performing Risk Management team shaping and maintaining our credit risk framework in full compliance with Banco Central do Brasil (BACEN) regulations — including Res. BCB nº 265/2022, CMN nº 4.557/2017, and CMN nº 2.682/1999 — as well as IFRS 9 standards for expected credit loss (ECL) modeling and provisioning.   You’ll take a hands-on role managing and monitoring retail credit risk exposures across merchant and consumer portfolios in a Type 3 / Segment S3 financial institution operating in the payments and acquiring space.  This role blends deep expertise in credit risk and regulation with a passion for data, automation, and AI — helping us build scalable, smart systems that keep our ecosystem safe while enabling innovation.   If you’re driven by the challenge of connecting regulation, analytics, and technology to design next-gen credit risk solutions, you’ll fit right in.   WHAT YOU'LL BE DOING: * Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards. * Monitor and manage retail credit exposures from origination and underwriting to scoring and portfolio performance. * Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring. * Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows. * Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s RAS. * Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience. * Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability across models. * Prepare and present insights and reports for senior management and regulators. WHAT YOU’LL NEED TO SUCCEED: * Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020). * Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collection, and recovery. * Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk. * Hands-on experience with IFRS 9 ECL modeling (Stages 1, 2, 3) and provisioning methodologies. * Proven experience developing and validating ML/AI credit risk models. * Strong programming skills (Python, SQL, R, or SAS) for modeling, validation, and stress testing. * Familiarity with ICAAP and capital adequacy processes. * Understanding of model governance, documentation, and audit requirements. * Advanced English communication SOFT SKILLS: * Analytical mindset: able to translate data into actionable insights. * Hands-on and execution-driven; you get things done and iterate fast. * Automation-first mindset: constantly improving processes with AI and tech. * Excellent communicator and storyteller; you simplify complex ideas. * Collaborative and curious, working seamlessly with Data Science, Risk, and Business teams. * Detail-oriented with strong analytical accuracy. * Proactive and adaptable in a fast-paced, high-growth environment. * Strong ethical judgment and integrity in handling sensitive data.

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