Credit Specialist

Come Make an Impact on Millions of Brazilians! At RecargaPay, we're on a mission to deliver the best payment and credit experience for Brazilian consumers and small businesses — building a digital ecosystem where the banked and unbanked connect in one place, with payments, credit cards, and personal loans. We serve over 10 million users, process more than USD 6 billion annually, and have been profitable since 2022. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market. 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.

Position Overview

The Credit Specialist will serve as the go-to technical reference for credit policy design and decisioning across RecargaPay's Loans and CCRP portfolios — an individual contributor role with high strategic impact, translating data, regulatory constraints, and business strategy into policies that run at scale. We're looking for someone who combines sharp analytical thinking with a strong drive to execute: someone who builds the frameworks, tests the hypotheses, and owns outcomes end-to-end, with the autonomy to add value across both products. This is a 100% remote role, working closely with the VP of Credit & Collections, Data Science, Product, and Engineering.

Key Responsibilities

• Design, document, and monitor credit origination and limit policies for Loans and Credit Card — eligibility, limit-setting, pricing rules, cross-product fallback logic, and lifecycle decisions.
• Propose and continuously iterate on credit rules, driving testing cycles from hypothesis through to rollout or kill decision. • Analyze A/B tests and policy experiments, generating insights to support data-driven decisions.
• Conduct deep-dive analyses — vintage curves, roll rates, segment performance — with quantified risk/return trade-offs.
• Monitor portfolio indicators and reports, and prepare regulatory submissions for external stakeholders (BCB, rating agencies).
• Collaborate with Product on strategies that reduce friction and increase conversion.
• Partner with Data Science to track and challenge model performance, flagging drift and data quality issues.
• Maintain credit decision framework documentation — policy rationale, change history, and override logic.
• Serve as technical reference in the Credit team: review analyses, challenge assumptions, raise standards.
• Leverage AI tools and automation to enhance analysis and policy simulation.

• Degree in Finance, Economics, Business Administration, Engineering, or a related quantitative field.
• 5+ years in credit risk, with meaningful exposure to consumer lending and credit cards at a fintech, digital bank, or SCD/SCFI.
• Demonstrated ownership of credit policy design — writing, implementing, and iterating on decisioning rules in production.
• SQL and Python, with comfort working on large datasets (Databricks or equivalent).
• Solid working knowledge of Brazilian credit regulation: CMN resolutions, BCB framework, CMN 2.682 / IFRS 9.
• AI fluency: LLMs, copilots, and automation in a professional context.
• Ability to produce policy documents, risk memos, and regulatory responses that hold up under scrutiny.
• Strong communication and collaboration skills in horizontal, matrixed structures.

We are a trilingual team with executive leadership operating across English, Spanish, and Portuguese on a daily basis. We value professionals who can communicate effectively in all three languages at a working/executive level.

• Portuguese: fluency required — primary language for day-to-day team communication, documentation, and deliverables.
• English: strongly preferred — external reporting, partners, vendors, and stakeholder alignment.
• Spanish: strongly preferred — partner teams and cross-functional leadership.

Soft Skills

• Analytical and detail-oriented — translates complex data into clear, actionable recommendations.
• Ownership, autonomy, and accountability — tracks policies through implementation and monitoring; raises a flag when performance drifts.
• Influence without authority — builds consensus with data, not hierarchy.
• Strategic mindset — sees the portfolio-level picture while managing the decisioning details.
• Adaptability and continuous learning — especially in AI tools and methods.

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
  

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).