Universo is a financial institution leader in the issuance of credit cards in Portugal (“Cartão Universo”) with more than 1 million customers. It has the goal of disrupting the banking industry in Portugal by innovating in the arena of consumer payments, credit and insurance.

Our clients are the stars that set our course and make our work shine.

Want to be part of our Universe?

We’re looking for a Credit Risk Analyst to support our Credit Policy & Valuation team. This role will involve contributing to analytical projects, generating actionable insights, and assisting with strategic decision-making.

You will be responsible for:

• Analyze the profitability of various business lines and channels by processing databases and modeling inputs (e.g., NPV models)
• Calculate the optimal credit policy, including rules, open/closed client segmentations for different business lines, channels, and campaigns, using optimization modeling (e.g., CP gaming)
• Present proposals for improvements and changes to the Risk Committee
• Provide insights to support the different risk department teams in decision-making processes and other data projects
• Collaborate with the IT team to ensure efficient data extraction, transformation, and loading processes

If you have:

• Strong academic background in Engineering, Mathematics, or other quantitative disciplines
• Proficiency in SQL is a plus
• Excellent analytical and problem-solving skills
• Strong written, and spoken, communication skills with the ability to simplify complex ideas
• Solid planning and organizational skills

If you are:

• Proactive, curious, and eager to learn
• A team player with strong communication skills
• Organized, reliable, and goal oriented
• Ambitious, with a desire to grow and make an impact

What we offer:

• Competitive gross salary with additional benefits
• Flexible working hours and a hybrid working model for better work-life balance
• A vibrant, inclusive workplace where collaboration is at the heart of what we do

We aim for greatness and boldness. We want to achieve the extraordinary, bringing your full self to what you do.

If you believe you can be a part of our Universe, please submit your CV.