Credit Risk Analyst — Consumer Lending | Digital Origination 300 Software · Remote (Brazil) · Full-time | PJ ⚠️ 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.