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Credit Manager at RecargaPay. 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.. Position Overview. The Credit Manager will be directly responsible for the Credit Policy and the day-to-day management of the credit portfolio P&L, focusing on executing and optimizing the credit vertical’s economic results. This role will monitor all P&L components (revenue and expenses), using data-driven insights to manage risk-return trade-offs and deliver consistent financial performance.. Key Responsibilities. Credit Policy Management: Lead the development, review, and implementation of credit policies. Focus on balancing origination growth with delinquency control to maximize direct contribution.. Strategy Execution: Implement tactical plans to achieve budget and investor expectations. Ensure alignment of growth objectives across Personal (PF) and Business (PJ) products, including credit cards and personal loans.. Model Implementation & Partnership: Collaborate closely with the Data Science team to co-develop and deploy credit risk models. Ensure models align with credit policies and the organization’s risk appetite while maintaining long-term stability.. P&L Management & Monitoring: Track the financial health of the credit portfolio, analyzing P&L drivers to ensure the business meets its economic targets.. Operational Continuous Improvement: Identify and execute initiatives to improve operational efficiency, such as process automation and the reduction of low-value-added tasks.. Team Leadership & Mentorship: Lead the Credit Policy team, ensuring the high-quality execution of tasks and fostering a culture of technical excellence and accountability.. Cross-Functional Collaboration: Partner with Products, Finance, Collections, and BI to ensure credit strategies are integrated across the customer lifecycle and aligned with organizational goals.. Experience:. Proven experience as a Credit Manager, Senior Specialist, or similar tactical leadership role.. Profile: . A "hands-on" professional who enjoys deep-diving into data while maintaining a business-oriented mindset.. Technical Knowledge:. Solid understanding of the full credit cycle (segmentation, eligibility, A/B testing, scoring, and portfolio indicators).. Analytical Rigor:. Proficiency in creating financial spreadsheets and translating complex data into tactical and executive-level presentations.. Model Savvy: . Strong ability to interpret, review, and challenge statistical models from a business perspective.. Technical Stack:. Hands-on experience with programming for data analysis (SQL, Databricks).. Education: . BSc in Accounting, Economics, Engineering, Finance, or a related quantitative field.. Company Location: Brazil.