Data Analyst

99x Brazil is searching for a detail-oriented and enthusiastic Data Analyst to join our passionate team. In this role, you will harness the power of data to support decision-making processes and drive projects forward. You will collaborate with cross-functional teams to extract insights from complex datasets and present findings in a clear and actionable manner. Your analytical skills will contribute to improving operations and achieving strategic goals.

Responsibilities

• Conduct detailed portfolio analysis using advanced statistical techniques to identify trends, concentrations of risk, and emerging risk factors incorporating traditional data (credit bureau information, application data, financial statements) and alternative data sources
• Review risk-based pricing models that align loan pricing with underlying credit risk while maintaining competitive positioning
• Collaborate with product and underwriting teams to develop and optimize credit policies based on data-driven insights
• Monitor loan performance against expected outcomes, identifying deviations and recommending policy/model adjustments
• Generate risk reports
• Develop automated dashboards and visualization tools to enhance monitoring efficiency and risk communication
• Create and maintain thorough documentation of all models, methodologies, and assumptions to ensure regulatory compliance
• Research and implement innovative analytical techniques to improve predictive accuracy of risk models
• Perform vintage and cohort analysis to evaluate performance of different loan populations over time
• Identify early warning indicators for credit deterioration and develop proactive mitigation strategies
• Stay current with industry trends, best practices, and emerging analytical methodologies in consumer credit risk

Requirements

• BSc or higher in Statistics, Mathematics, Computer Science, Data Science, or related field.
• Advanced English skills for effective communication with international teams.
• Proven experience as a Data Analyst or similar role, with strong data manipulation and analysis expertise.
• Proficiency in SQL for data querying and manipulation.
• Experience with programming languages such as Python or R for data analysis.
• Familiarity with statistical methodologies and data visualization techniques.
• Strong problem-solving skills and attention to detail.
• Excellent organizational and time-management skills, with the ability to handle multiple projects simultaneously.

Benefits

• Your pick when it comes to employment models: CLT/PJ/Cooperativa;
• We provide resources for you to grow and learn on the job, including online courses, mentoring, and the latest gen laptops;
• A fully remote work environment with flexible working hours;
• Bonus for any referrals that we end up hiring;