Credit Risk Specialist

São Paulo - Brazil

Monthly Salary: Not Disclosed

Posted on: 23 hours ago

Vacancies: 1 Vacancy

Job Summary

At CloudWalk were building the future of payments and risk is at the heart of making that happen responsibly.

As a Credit Risk Specialist youll 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.

Youll 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 youre driven by the challenge of connecting regulation analytics and technology to design next-gen credit risk solutions youll fit right in.

What Youll 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 companys 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 Youll 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.

Why Join Cloudwalk

At CloudWalk youll join a mission-driven team transforming payments in Brazil and beyond. Here youll work with cutting-edge data AI and technology to build the future of risk systems advancing financial inclusion empowering businesses and pushing innovation forward every day.

We may use artificial intelligence (AI) tools to support parts of the hiring process such as reviewing applications analyzing resumes or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed please contact us.

Required Experience:

At CloudWalk were building the future of payments and risk is at the heart of making that happen responsibly.As a Credit Risk Specialist youll 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) ...