Senior Credit Risk Analyst – Fintech Consulting Engagement (Remote | Brazil) 300 Software | Full-tim

About the Engagement 300 Software is expanding its presence in the US fintech market through a strategic consulting partnership with an online consumer lending company that provides lines of credit of up to $2,000 to everyday Americans for essential needs like medical, home repair, and unexpected expenses. They serve a broad, non-prime consumer segment, making real credit decisions in under 3 seconds in a data-heavy, high-volume environment where credit model performance directly impacts business outcomes. This engagement is part of 300 Software's growing fintech practice, where we embed analytical and engineering talent within client operations — bringing Brazilian technical expertise to US financial services companies. The relationship has strong potential to evolve beyond analytics into tool development and deeper platform work.

The Role As a Senior Credit Risk Analyst, you'll work as part of the 300 Software consulting team embedded with the client. This role sits at the intersection of data science, statistical modeling, and credit strategy — with direct visibility to executive leadership and real business impact from day one. Your core mission is to identify issues inside credit models, analyze loan performance data, and help the team understand whether models are performing in line with expectations — and drive the changes when they're not.

What You'll Do Monitor and analyze credit model performance, comparing actual loan behavior against model assumptions. Use regression analysis and other statistical and predictive tools to surface insights from performance data. Write complex SQL queries to extract and analyze data from cloud-based data lakes in an AWS environment. Build dashboards and reporting tools to communicate credit risk trends to leadership. Help define which borrower attributes to track and weight in underwriting decisions. Participate in weekly reporting meetings with the US-based team (Central Time Zone, 2 to 3 hour difference from Brazil). Collaborate with engineering and compliance teams to implement credit strategy improvements. Work alongside 300 Software's internal data and infrastructure team, which supports the client's AWS environment and data layer.

What We're Looking For 5 or more years of experience in credit analysis, data analytics, or a related quantitative role. Strong SQL skills including complex queries, data extraction, and reporting. Solid understanding of statistical modeling including regression analysis, predictive modeling, and scorecard development. Experience working with data lakes and cloud environments, with AWS being a plus. Comfort operating independently in a remote setup. Fluent English, as you will be in meetings and communicating directly with the US team. A background in engineering, statistics, or mathematics is a strong plus.

Setup Remote from Brazil, full-time, 40 hours per week, with hours aligned to US Central Time Monday through Friday. Compensation is competitive and commensurate with experience. Contract or PJ arrangements can be discussed.

Why This Role This is not a typical outsourcing position. You'll be joining a consulting firm that is actively building its fintech practice in the US market, with a client relationship that is expected to grow. Strong performance here opens doors to broader product and tool development work as the engagement evolves.