Position Objective Develop highly predictive financial models to be used for forecasting the credit portfolio's income statement (origination, portfolio, collections, funding, revenues, reserves, risk-adjusted financial margin) both on a vintage and total portfolio basis, across different customer segments, distribution channels, and credit and collection products. Support operational and financial decision-making for business units (Collections, Loans, and Commerce) and profitability and risk management areas. Key Responsibilities Develop financial models (vintage and portfolio) to project variables that make up the risk-adjusted financial margin (origination, portfolio, funding, collections, effective rates, interest, fees, roll rates, and reserves). * Develop models incorporating operational variables into projections for collections, revenues, and reserves. * Apply new methodologies for risk and profitability estimation using advanced analytics techniques (DataRobot). * Analyze and monitor deviations to ensure accuracy in annual plan and rolling forecast projections. * Estimate elasticities and conduct macroeconomic analysis to anticipate impacts on results. Candidate Profile Experience in: Econometric and/or Financial Modeling, Financial Planning and/or Economic Evaluation, Technical Area of Reserve Estimation, Corporate Finance, Financial Mathematics, Advanced Analytics Models. Knowledge of: SAS, R or Python, SQL, Tableau or BI tools, Office Value Proposition Statutory benefits: Starting vacation entitlement of 12 days per year, annual vacation bonus of 25%, year-end bonus of 15 days annually (increasing with tenure), annual bonus of 1.5 months based on objectives and results. * Working conditions: 8-hour workdays, Monday through Friday. Flexible scheduling. Life insurance. * Position benefits: Training program tailored to the role and for personal skill development. University partnerships. * Financial benefits: Payroll advance. Access to credit card. Discounts starting at 10% on cash purchases at Elektra and Salinas & Rocha stores from day one; financing available after 9 months of employment. Preferential-rate personal loans after 2 years. Currency exchange. Investment accounts. Savings fund. * Services: Access to nutritionist, psychologist, dentist, library, contests and programs to improve your health, guidance and support for achievements, new family members, and important celebrations. Code: 2TSTDSKUP8 Id: 01887296