Credit Risk Analyst (Fintech)

TL;DR

Credit Risk Analyst (Fintech): Designing and maintaining credit risk frameworks and models in compliance with BACEN and IFRS 9 standards with an accent on retail credit exposures and AI-driven automation. Focus on developing ML/AI models for PD, LGD, and EAD, and building AI agents to optimize risk monitoring and reporting.

Location: Remote (Brazil) / São Paulo

Company

hirify.global is a financial institution building the future of payments and acquiring services.

What you will do

• Design and implement credit risk models aligned with BACEN and IFRS 9 standards.
• Manage retail credit exposures from origination and scoring to portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
• Build AI agents to automate risk monitoring, provisioning, and reporting workflows.
• Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience.
• Collaborate with Data Science, Finance, and Compliance teams to ensure model auditability.

Requirements

• Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999).
• Deep expertise in the retail credit lifecycle and the payments/acquiring industry.
• Hands-on experience with IFRS 9 ECL modeling and provisioning methodologies.
• Proven experience developing and validating ML/AI credit risk models.
• Strong programming skills in Python, SQL, R, or SAS.
• Advanced English communication skills.

Nice to have

• Familiarity with ICAAP and capital adequacy processes.
• Understanding of model governance, documentation, and audit requirements.

Culture & Benefits

• Opportunity to work in a high-performing Risk Management team within a high-growth environment.
• Automation-first mindset with a strong emphasis on integrating AI into workflows.
• Collaborative culture working seamlessly across Data Science, Risk, and Business teams.
• Remote-first work arrangement.