Credit Risk Analyst — Consumer Lending | Digital Origination
300 Software · Remote (Brazil) · Full-time | PJ
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Before you read further: this is NOT an FP&A, Treasury, Controller, corporate credit, or FIDC role. If your background is primarily in those areas, this position is a different discipline and will likely not be a good fit.
Our US fintech client — an online consumer lender — is looking for a Credit Risk Analyst who owns the front end of the credit funnel: designing risk tiers, sequencing underwriting decisions, managing approval/decline trade-offs, and building the logic that determines who gets credit and at what terms. If you have hands-on experience with risk tiers, underwriting decision paths, dynamic acquisition pricing, or rescue lane strategies at an online lender, BNPL provider, or fintech — this role is built for you
If you have hands-on experience with risk tiers, underwriting decision paths, dynamic acquisition pricing, or rescue lane strategies at an online lender, BNPL provider, or fintech — this role is built for you.
What You'll Do
* Own and iterate credit acquisition policies inside an automated decisioning engine
* Build and validate scorecards; monitor performance through vintage analysis and population stability
* Segment applicants by acquisition channel, product, and risk tier — and price accordingly
* Identify emerging fraud patterns and respond with targeted policy changes
* Work cross-functionally with US product and marketing teams to balance growth and risk
* Write SQL to investigate, model, and monitor — no waiting on a data team
Requirements (Non Negotiable)
• 3+ years of experience in online consumer lending, BNPL, or a tangential fintech/e-commerce credit environment
• Hands-on acquisition/top-of-funnel risk experience: risk tier assessment, underwriting sequencing, or dynamic acquisition pricing
• Fluent English — interviews, daily standups, and all written communication are in English
• SQL proficiency — comfortable writing queries independently to analyze credit performance data
• Ability to work US Central Time hours (approx. 9am–6pm CT / 11am–8pm Brasília)
Nice to Have
• Experience with rescue lane management or near-miss recovery programs
• Background in fraud risk within the acquisition funnel
• Exposure to multi-path underwriting logic or decision engine configuration
• Portfolio monitoring and credit loss forecasting (post-acquisition)
• Experience at an e-commerce, marketplace lending, or embedded finance company
What We Offer
• PJ/contractor arrangement — compensation aligned with fintech market rates
• 100% remote — work from anywhere in Brazil
• US Central Time schedule — structured workday, no late nights
• Direct exposure to a fast-growing US online lending operation
Quick Self-Screen
In your last role: were the majority of credit decisions made automatically, within seconds, for individual consumers (not companies)? If yes — we'd like to talk. If your process involved credit committees, manual case-by-case review, or business borrowers — this is a different kind of role, and it's worth being honest about that upfront.
To apply, fill out the questions below. Responses in Portuguese will not be considered.