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Open nowPosted 5 hours ago

Analista de Crédito de Retalho (m/f)

Workable (global search)107,691 open roles

Where
Maputo, Mozambique
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Your applicationOpen nowAnalista de Crédito de Retalho (m/f)Workable (global search) · Maputo, Mozambique

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Workable (global search)'s own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

8.0% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 2 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 8.0%7 days
  4. 15.0%14 days
  5. 34.2%30 days
This job: posted 5 hours ago

Workable (global search) median: 2 days open

The posting

  • Analisar pedidos de crédito de retalho (com e sem domiciliação salarial) e emitir pareceres dentro dos tempos de resposta estabelecidos.
  • Garantir que todas as decisões de crédito estejam em conformidade com as Políticas de Crédito e os Limites de Autoridade de Aprovação.
  • Rever memorandos de aprovação de crédito provenientes da área de Private Banking.
  • Prestar suporte às agências e clientes relativamente a questões de crédito.
  • Apoiar a implementação de processos automatizados de aprovação de crédito ao consumo.
  • Realizar revisões anuais dos programas de crédito de retalho e dos acordos com entidades empregadoras.
  • Monitorizar e processar comissões relacionadas com o CEDSIF.
  • Efetuar a reconciliação de contas contabilísticas associadas ao crédito de retalho, assegurando saldos reconciliados.
  • Monitorizar diariamente a carteira em atraso e acompanhar ações de recuperação junto das agências e clientes.
  • Identificar atempadamente sinais de deterioração da carteira e potenciais riscos de incumprimento.
  • Garantir a correta classificação dos créditos não produtivos (NPL).
  • Identificar, prevenir e reportar potenciais fraudes relacionadas com operações de crédito.
  • Elaborar relatórios periódicos sobre o desempenho da carteira de crédito de retalho.
  • Apoiar processos de auditoria e assegurar a resolução atempada de recomendações e observações.
  • Garantir a manutenção adequada da documentação de crédito.
  • Tratar reclamações de clientes relacionadas com crédito dentro dos prazos estabelecidos.

Requirements

  • Licenciatura em Finanças, Banca, Economia, Contabilidade, Gestão, Administração de Empresas ou áreas afins.
  • Mínimo de 3 anos de experiência no sector bancário.
  • Pelo menos 2 anos de experiência em crédito de retalho, administração de crédito, recuperação de crédito ou gestão de risco de crédito.
  • Experiência comprovada em análise de crédito, monitorização de incumprimentos e detecção de fraude, será uma vantagem.
  • Conhecimento da Regulamentação do Banco de Moçambique aplicável ao crédito.
  • Conhecimentos avançados de Excel.
  • Conhecimentos de sistemas bancários e ferramentas de reporting (Power BI constitui uma vantagem).

Benefits

  • Oportunidade de fazer parte de uma Instituição global que lhe permite ter crescimento profissional.
  • Incentivamos a candidatura de mulheres nos nossos processos de recrutamento e selecção.

DATA LIMITE DE CANDIDATURAS: 09 DE OUTUBRO DE 2026

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    The review screen in CV Rocket: how each CV was read, round by round.

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