Collections Specialist

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Lead complex and strategically significant Credit Collection projects from initial diagnosis to successful implementation.

• Establish standards, frameworks, and best practices within the collections discipline.

• Design and calibrate collection policies and treatment strategies tailored to specific products and portfolios.

• Evaluate portfolio performance (roll rate, vintage, cure, and recovery) and convert insights into actionable recommendations.

• Enhance credit cost efficiency by prioritizing initiatives that demonstrably impact losses and collection expenses.

• Conduct experiments (A/B testing, champion/challenger) and rigorously analyze results.

• Utilize AI and automation (propensity models, segmentation, LLMs, and agents) to enhance collections and analytical workflows.

• Suggest and execute process improvements in collaboration with Operations, Product, Engineering, Risk, and Legal, ensuring adherence to regulatory requirements (LGPD, CDC, and Central Bank regulations).

• Act as a technical reference and mentor within the team.

• Work closely with leadership to establish the roadmap and set priorities.

• Represent the organization in external forums and industry communities.

⛳️ Requirements

• Significant experience in collections, recovery, or credit policies within a fintech, banking, or financial retail setting.

• Proficient in SQL and Python (or R) for independent data analysis.

• Demonstrated success in reducing losses or costs, supported by measurable before-and-after results.

• Practical experience with experimentation methodologies (A/B testing, champion/challenger).

• Hands-on experience with AI applications in the workplace (ML, LLMs, or agents), with demonstrable examples.

• Preferred: experience with payment propensity models or collections scoring.

• Preferred: familiarity with digital credit products (cards, loans, BNPL).

• Preferred: experience with Databricks or a comparable analytics platform.

• Analytical mindset: capable of making evidence-based decisions and articulating hypotheses clearly.

• Business and cost awareness: able to connect each proposal to its financial implications.

• Autonomy and ownership: skilled at taking issues from diagnosis to implementation.

• Ability to influence without direct authority and communicate effectively.

• Commitment to mentorship and technical leadership: eager to share knowledge and elevate the team's capabilities.

🏝️ Benefits

• Competitive salary aligned with market standards.

• Flexibility to work remotely—regardless of your location, you're part of the team!

• Monthly home office allowance provided through the RecargaPay app.

• Comprehensive health and dental insurance with no copay required.

• Life insurance coverage.

• Flexible meal allowance via Flash.

• Access to TotalPass to promote your health and well-being.

• Opportunity to express your individuality in an inclusive and diverse environment.

• Potential to leverage your data for other opportunities within the RecargaPay Group, in compliance with LGPD.