Sr Credit Analyst

Come Make An Impact On Millions Of Brazilians!

At RecargaPay, we're on a mission to deliver the best payment experience for Brazilian consumers and small businesses by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We've been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We're looking for people who are curious, hands-on, and driven by impact who want to solve real problems, work with strong teams, and rethink what's possible.

If you're ready to do your best work, at scale, with purpose this is your place.

Responsibilities As a Sr Credit Analyst, you will play a key role in shaping and executing RecargaPay's credit strategy, ensuring sustainable growth through smart, data-driven decisions. Working in a dynamic and collaborative environment, you will have the opportunity to influence credit policies, optimize processes, and contribute to building innovative financial solutions that enhance customer experience.

• Work in the Credit Policy and Strategy area.
• Propose improvements, changes, and continuous testing to enhance the Credit Policy.
• Analyze and monitor ongoing tests, generating the necessary insights to support decision-making.
• Continuously iterate on credit rules and product strategies to achieve the vertical's goals and targets.
• Maintain and monitor credit indicators and reports (origination, maintenance).
• Collaborate with other teams to improve credit assessment processes and onboarding flows, reducing friction and increasing conversion.
• Build a close partnership with the Product team to analyze, understand, and propose strategies and adjustments to optimize the product.
• Track and monitor the performance of models developed by the Data Science team.