Senior Credit Modeling Analyst - Remote | Cora Digital Bank

**Overview**

Join Cora, Brazil's leading digital bank exclusively serving small and medium enterprises (SMEs)! While 93% of Brazil's 21 million companies are SMEs contributing one-third of the country's GDP and 60% of employment, traditional financial institutions overlook them. Cora changes this narrative.

In 5 years, we've grown to over 1 million clients with 300+ remote team members across Brazil.

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Responsibilities **

As Senior Credit Modeling Analyst, you'll design and deploy comprehensive credit risk models including application, behavior, billing, collection, and product risk frameworks. Monitor model performance to ensure continuous improvement while collaborating closely with business areas like credit policies, collections, profitability, and PDD teams. Stay at the forefront of Credit modeling and Artificial Intelligence innovations to drive productivity and results.

Conduct analytics studies supporting credit strategy direction and create monitoring dashboards for model performance tracking and credit indicators.

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Requirements **

We seek candidates with proven expertise in modeling, data science, and machine learning, plus knowledge of Artificial Intelligence applications. Strong analytical thinking and logical reasoning skills are essential, along with proficiency in BI tools and programming languages (SAS, R, Python, SQL). You must communicate technical results clearly to non-specialist teams and demonstrate excellent interpersonal skills for partnership building.

Preferred qualifications include PD, EAD, and LGD modeling knowledge, IFRS9 modeling experience (Resolution 4966), and deployment/MLOps expertise.

Cora offers competitive compensation, profit sharing (PLR), flexible benefits via Flash card, and after one year additional perks.

Experience our dynamic environment with daily learning opportunities while making direct impact on small and medium business owners across Brazil.

Monday to Friday, 9 AM – 5 PM (full-time)