RecargaPay is the Super App that simplifies everyday payments for consumers and SMEs in Brazil.
The platform streamlines payments for over 6 million Brazilians by consolidating credit and debit cards, instant payments like Pix, and Open Finance, on a mission to democratize mobile payments and financial services in Brazil.
Featuring services such as bill payments, mobile top-ups, public transportation, installment plans, and loans, designed with convenience, low cost, and flexibility in mind.
RecargaPay is changing the way both banked and unbanked Brazilians make their everyday payments and access their financial services.
We are looking for a senior professional to take on the role of Head of Credit, responsible for defining and managing the company's credit policy, with a primary focus on the Credit Card product.
The ideal candidate will have extensive experience in credit policies, strategies, and modeling, along with a strong background in portfolio management and risk control.
Key Responsibilities:
Define and manage the Credit Policy for all company products.
Develop and implement strategies and actions for credit campaigns, such as pre-approved offers.
Oversee and manage the credit portfolio risk, monitoring indicators and recommending adjustments as needed.
Define, control, and manage the limit for clients, ensuring compliance with internal policies and risk appetite.
Track and report key credit KPIs, including delinquency rates, over-limit usage, and portfolio performance from both vintage and portfolio perspectives.
Ensure governance and compliance of credit practices, aligning with regulatory guidelines and market best practices.
Minimum Requirements:
Solid experience with Credit Cards, with a proven track record in defining credit policies and strategies.
Knowledge of credit modeling and analytical tools to assess customer risk and behavior.
Experience in portfolio management and credit risk control, focusing on maximizing results and mitigating losses.
Ability to lead multidisciplinary teams and manage complex projects, acting strategically and results-oriented.
Familiarity with credit performance indicators and the ability to conduct detailed portfolio performance analyses.
Fluency in English or Spanish is required.
Benefits:
Medical and Dental assistance without co-participation;
Life insurance;
Flexible Meal voucher - Flash;
TotalPass;
Home office assistance - monthly deposit in the RecargaPay app for personal use;
Spanish classes;
Educational partnerships;
Discount in Universities for Undergraduate, Graduate, and MBA courses;
Anywhere office - work from wherever you want.
Diversity & Inclusion
Diversity is part of our DNA and we are in constant search for representativeness and evolution.
We believe that our employees should be who they are, and that is what makes them unique in their roles - regardless of gender, religion, disabilities, sexual orientation, ethnicity, generations, and different experiences.
And we are looking for people who are authentic and free to co-create a more inclusive and innovative company and society.
Does it sound like you?
The use of your Data
The candidate, when sending the curriculum with personal and professional data to participate in RecargaPay's recruitment and selection process, is aware that the data will be used for the necessary analysis and validations throughout the recruitment process and for hiring, if necessary, as well as authorizes RecargaPay to share the curriculum data with other companies in the RecargaPay group in case opportunities arise in line with the candidate's profile.
In compliance with Law 13.709 / 18, LGPD - General Data Protection Law, the candidate may ask for the updating, rectification, and modification of his information during the recruitment and selection process, or, still, request the non-use of the data under the terms applicable law.
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