Credit Analyst
- SC, BR
- Financial
At Billor, we are building the largest truck ecosystem in the US through a verticalized and integrated business platform with Fintech, Technology and Freight Management to a highly fragmented market, with our mission centered around the driver's success.
Responsibilities:
- Credit Analysis: Evaluate the payment capacity of Drivers (customers), analyzing credit history, income, expenses, Fintechs already open and other factors.
- Risk Assessment: identify and mitigate risks associated with microcredit (Fintech) to be granted to Drivers (clients), such as default and inability to maintain their obligations with Billor.
- Customer Portfolio Management: Monitor and manage the microcredit portfolio, ensuring that they are aligned with Billor's objectives.
- Reports and Analysis: Prepares detailed reports on customer portfolio performance, including default rates and return on credit granted (spread!)
- Decision-Making Support: Provide information and recommendations to support decision-making about granting microcredits.
- Compliance: Ensure compliance with international regulations and policies.
- Continuous Improvement and Projects: identify opportunities for improvement in processes and procedures.
Requirements:
- Fluent English.
- Proficiency in financial analysis and credit assessment.
- Knowledge of financial statements and ratios.
- Understanding of credit risk assessment methodologies.
- Ability to use credit scoring models and tools.
Attention:
- Work in Brazil
- Living in Joivilhe Santa Catarina or availability to move to the city
- Legal Entity Contract