At CloudWalk, we’re building the future of payments — and risk is at the heart of making that happen responsibly.

As a Credit Risk Analyst, you’ll be part of a high-performing Risk Management team shaping and maintaining our credit risk framework in full compliance with Banco Central do Brasil (BACEN) regulations — including Res. BCB nº 265/2022, CMN nº 4.557/2017, and CMN nº 2.682/1999 — as well as IFRS 9 standards for expected credit loss (ECL) modeling and provisioning.

You’ll take a hands-on role managing and monitoring retail credit risk exposures across merchant and consumer portfolios in a Type 3 / Segment S3 financial institution operating in the payments and acquiring space.

This role blends deep expertise in credit risk and regulation with a passion for data, automation, and AI — helping us build scalable, smart systems that keep our ecosystem safe while enabling innovation.

If you’re driven by the challenge of connecting regulation, analytics, and technology to design next-gen credit risk solutions, you’ll fit right in.

### What You'll Be Doing:

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.

### What You’ll Need to Succeed:

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

### Soft skills:

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.

Why Join Cloudwalk?

At CloudWalk, you’ll join a mission-driven team transforming payments in Brazil and beyond. Here, you’ll work with cutting-edge data, AI, and technology to build the future of risk systems, advancing financial inclusion, empowering businesses, and pushing innovation forward every day.

Credit Risk Analyst

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