O que procura nos candidatos

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 area 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?

If you have:

• Excellent academic track record in Economics, Management, Engineering or Mathematics
• Minimum 5 years of experience in a similar position
• Knowledge in Excel in SQL/PowerBI
• Basic knowledge of SQL for searching and manipulating databases
• Excellent communication skills
• Ability to translate complex problems into simple ideas
• Ability to work independently and in a team
• Proactivity and ability to quickly learn in a dynamic environment
• Interest in the finance sector and financial products

If you are:

• Proactive and curious
• Team-oriented and a clear communicator
• Organized and goal-oriented
• Reliable and ambitious

Que funções irão desempenhar

You will be responsible for:

• Developing operational control KPIs
• Collecting, organizing, and analyzing credit data
• Performing NPV analysis, analyze trends and patterns, provide insights and communicate them to the business
• The optimization of profitability of Consumer Finance products through detailed study of our clients characteristics, the risk associated to our different client segments and the conditions of the market
• The optimization of selection of clients for different commercial offers based on past behavior
• Continuous testing of the impact of new services, prices and commercial approaches over different client segments
• Control and monitoring of the entire client portfolio, detecting trends and patterns in customer behaviour
• Cross-sectional collaboration with Business Units, Risk, CRM, Marketing and Operations
• Risk Analysis
• Data mining

Quais os benefícios oferecidos

What we offer:

• Flextime and a hybrid working model, allowing you to work smarter instead of longer
• Professional growth –you will have a personalized training plan
• A diverse and inclusive working community, where working together is not only a large part of our day-to-day, but one of the most important essentials of our Universe
• Extensive senior management exposure

Outros aspectos a referir

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.