Credit Analyst
- SC, BR
- Accounting and Finance
About Us
At Billor, short for "Bill of Rights," we are building the largest trucking ecosystem in the U.S., dedicated to supporting truck drivers. By combining FinTech, Technology, and Freight Management, we empower drivers to achieve truck ownership and a better quality of life. Our mission is rooted in freedom, responsibility, and efficiency, enabling drivers to maximize productivity and enjoy more time with their families.
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.
Qualifications
- 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.
What we have for you
- Health plan (Bradesco Saúde) with no monthly fee or co-participation for you and legal dependents.
- This position will be based in Joinville, SC - Brazil.