Financial Risk Specialist

About the Position

We are looking for a Financial Risk Specialist to join our team at CloudWalk, a leading fintech company revolutionizing the payments industry. As a Credit Risk Analyst, you will play a crucial role in shaping and maintaining our credit risk framework, ensuring compliance with Banco Central do Brasil (BACEN) regulations and IFRS 9 standards.

Responsibilities

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
• Monitor and manage retail credit exposures from origination and underwriting to scoring and portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
• Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows.
• Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company's RAS.
• Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience.
• Collaborate closely with Data Science, Finance, Compliance, and Fraud teams to ensure consistency, explainability, and auditability across models.
• Prepare and present insights and reports for senior management and regulators.

Requirements

• Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, Circular 3.978/2020).
• Deep expertise across the retail credit lifecycle: origination, behavioral scoring, collection, and recovery.
• Experience in the payments and acquiring industry, including merchant, settlement, and receivables-backed credit risk.
• Hands-on experience with IFRS 9 ECL modeling (Stages 1, 2, 3) and provisioning methodologies.
• Proven experience developing and validating ML/AI credit risk models.
• Strong programming skills (Python, SQL, R, or SAS) for modeling, validation, and stress testing.
• Familiarity with ICAAP and capital adequacy processes.
• Understanding of model governance, documentation, and audit requirements.
• Advanced English communication.

Nice to Have

• Analytical mindset: able to translate data into actionable insights.
• Hands-on and execution-driven; you get things done and iterate fast.
• Automation-first mindset: constantly improving processes with AI and tech.
• Excellent communicator and storyteller; you simplify complex ideas.
• Collaborative and curious, working seamlessly with Data Science, Risk, and Business teams.
• Detail-oriented with strong analytical accuracy.
• Proactive and adaptable in a fast-paced, high-growth environment.
• Strong ethical judgment and integrity in handling sensitive data.

We Offer

• Opportunity to work in a dynamic and innovative fintech environment.
• Remote work options.
• Professional growth and development opportunities.

About the Company

At CloudWalk, we envision a future where AI empowers every field to reach new heights. We are a pack of dreamers, makers, and tech enthusiasts building the future of payments. With millions of customers and a hunger for innovation, we're now expanding our neural network - literally and metaphorically.

Join us at CloudWalk, where we're not just engineering solutions; we're building a smarter, AI-driven future for payments-together.