Credit Analyst

At Billor, we are building the largest truck ecosystem in the US through a verticalized and integrated business platform with Fintech, Technology, and Freight Management to a highly fragmented market, with our mission centered around the driver's success.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: Prepare 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.Requirements: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.Attention:Living in Joivilhe Santa Catarina or availability to move to the city.#J-18808-Ljbffr