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Agibank

Hybrid digital bank offering credit services.

Product Specialist - Personal Credit Profitability

Corporate Finance & FP&AConfirmed live in the last 24 hours
Full-timeCampinas - State of São Paulo, Brazil

About the Job

Requirements

  • Solid experience in profitability management, pricing, or financial planning and analysis, preferably at financial institutions.
  • Experience with credit products, ideally personal or payroll-deductible credit.
  • Experience managing the profit and loss of financial products.
  • Higher education in Economics, Engineering, Business Administration, Mathematics, Statistics, or a related field.
  • Advanced SQL and Excel skills, financial analysis, credit metrics, data visualization, and pricing concepts.
  • Experience with generative artificial intelligence tools.

Responsibilities

  • Lead active management of personal credit product profitability, focusing on sustainability and growth.
  • Maximize profitability by managing indicators such as RIF, contribution margin, and provisions.
  • Monitor and protect results by analyzing LA, overs, and portfolio vintage quality.
  • Develop lifetime value and customer acquisition cost analyses and structured cross-sell strategies to increase revenue.
  • Build robust business cases for new products, channels, and strategic initiatives.
  • Structure and monitor routines for tracking and reporting performance key performance indicators.
  • Act as guardian of the product's financial performance, ensuring decisions support sustainable profitability.
  • Influence strategic stakeholders using technical arguments and business insight.
  • Identify opportunities to continuously improve product performance and efficiency.

Desired Qualifications

  • Programming in Python for automation and advanced analyses.
  • Knowledge of bank accounting, including COSIF, IFRS 9, and provisions.
  • Experience with agile methodologies such as Scrum and Kanban.
  • Familiarity with machine learning applied to credit or business.
  • Prior experience in a complex financial or transformation environment.
  • Ability to work closely with data, product, and strategy teams.

About the Company

Agibank

Hybrid digital bank offering credit services.

Agibank is a Brazilian financial institution that combines a digital banking platform with a network of over 1,000 physical

Company size
5,001-10,000
Company stage
IPO
Headquarters
São Paulo, Brazil
Founded
1999

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