Mitigação de risco de crédito habitacional bancário no contexto do pós-COVID19

Abstract

This dissertation aimed to develop a proposal for mitigating credit risks in delinquent housing processes in the post-COVID-19 context. The research focused on a detailed analysis of the risks associated with housing credit portfolios in a Brazilian public bank, especially in light of the economic impacts caused by the pandemic. The main credit risks identified included default, collateral risk, and concentration risk. The research method used was qualitative and exploratory, conducted through a case study. In-depth interviews with eight professionals in the sector made it possible to map the causes of these risks and propose guidelines that include negotiable measures in the post-COVID-19 context to mitigate the identified risks. The study contributes both theoretically, by enriching the literature on risk management in financial institutions, and practically, by providing guidelines for risk and credit managers to improve the stability of their portfolios. Despite its contributions, the study acknowledges the limitation of generalizing the results and suggests expanding the research to different contexts and institutions.