Analista de Dados de Negócio Pleno (Crédito)

This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Mid-Level Business Data Analyst – Credit (Analista de Dados de Negócio Pleno – Crédito) based in Brazil. As a Business Data Analyst specializing in Credit, you will play a key role in transforming business data into actionable insights that support strategic and operational decision-making. You will analyze credit portfolios, assess financial performance, monitor delinquency trends, and identify opportunities to improve credit processes across a cooperative financial environment. Working closely with credit analysis, formalization, and operations teams, you will develop reports, indicators, and data-driven recommendations to enhance efficiency and service quality. You will also contribute to workforce planning, productivity analysis, and the continuous improvement of credit policies and procedures. Using advanced tools such as SQL, Python, Excel, and Databricks, you will help strengthen data governance and analytical capabilities. This is an excellent opportunity to combine business knowledge, data expertise, and financial analysis to generate meaningful organizational impact. Accountabilities: • Conduct structured analyses of credit portfolios, evaluating performance, delinquency rates, decision accuracy, geographic markets, customer segments, and other relevant business indicators. • Perform capacity, productivity, and workforce planning studies, including team sizing, service-level agreements (SLAs), and business growth projections. • Analyze credit decision accuracy, business opportunities, renegotiation and restructuring performance, rework levels, and exceptions to established credit policies. • Support credit analysis, formalization, and operational support teams by providing relevant data, performance indicators, reports, and actionable insights. • Lead initiatives to improve data processing, management, and utilization, delivering business intelligence to support strategic and operational decisions. • Provide technical support in the development, review, and updating of internal standards, manuals, and policies related to the credit lifecycle. • Monitor workflows and demand volumes across credit operations, identifying opportunities to improve service quality, operational efficiency, and response times. • Track market developments, sector-specific delinquency trends, and relevant economic indicators to support credit risk analysis and business planning. • Participate actively in the design, development, and implementation of improvements to credit processes and operational workflows. • Collaborate with multidisciplinary teams to transform analytical findings into practical recommendations and measurable business improvements. Requirements: • Bachelor's degree in Business Administration, Accounting, Economics, or a related field. • Postgraduate studies currently in progress in Data Analytics, Data Science, Data Governance, Strategic Management, or a related discipline. • Advanced Excel skills, including the ability to develop and analyze complex spreadsheets using advanced formulas, pivot tables, charts, dashboards, and automation features. • Advanced knowledge of SQL and Python for data extraction, processing, manipulation, and analysis. • Experience with statistical tools and methodologies for interpreting data and generating business insights. • Familiarity with Databricks and ServiceNow for data consultation, integration, and information management. • Understanding of credit processes, including portfolio performance, delinquency monitoring, credit analysis, and operational workflows. • Knowledge of process automation and data project management, particularly initiatives focused on improving operational efficiency. • Strong analytical and critical-thinking skills, with the ability to interpret complex datasets and translate findings into business recommendations. • Good communication and stakeholder management skills, with the ability to collaborate effectively with technical and business teams. • Strong organizational skills, attention to detail, autonomy, and a proactive approach to identifying opportunities for continuous improvement. Benefits: Compensation and financial support • Food and meal allowances. • Monthly home office and hybrid work allowance. • Mobility allowance to support transportation expenses. • Profit-sharing program (PPR). • Private pension plan with company contributions. • Corporate life insurance. Health and well-being • Medical insurance for employees and eligible dependents. • Dental insurance for employees and eligible dependents. • Wellhub (Gympass) membership, providing access to gyms and fitness studios nationwide. • Zenklub platform, offering access to psychological support and personal development resources for employees and their dependents. Family support and flexibility • Monthly childcare or babysitter expense reimbursement. • Extended maternity leave of 180 days (six months). • Extended paternity leave of 20 days. • Birthday day off. • Additional day off during your children's birthday month. • Flexible working arrangements, with remote and hybrid opportunities depending on location. Professional development and additional perks • English Pass digital language-learning platform. • Christmas food basket allowance. • Opportunities for continuous learning and professional development. • Collaborative and inclusive working environment that values diversity, cooperation, and innovation. How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We