Collections Specialist

• Lead high-complexity, strategically impactful Credit Collection projects from diagnosis through implementation.
• Define standards, frameworks, and best practices for the collections discipline.
• Design and calibrate collection policies and treatment strategies by product and portfolio.
• Analyze portfolio performance (roll rate, vintage, cure, and recovery) and translate findings into actionable recommendations.
• Optimize credit costs by prioritizing initiatives based on measurable impact on losses and collection costs.
• Lead experiments (A/B testing, champion/challenger) and interpret results rigorously.
• Apply AI and automation (propensity models, segmentation, LLMs, and agents) to collections and analytical workflows.
• Propose and implement process improvements with Operations, Product, Engineering, Risk, and Legal, ensuring regulatory compliance (LGPD, CDC, and Central Bank regulations).
• Serve as a technical reference and mentor for the team.
• Collaborate with leadership to define the roadmap and priorities.
• Represent the company in external forums and industry communities.

• Solid experience in collections, recovery, or credit policies within a fintech, bank, or financial retail environment.
• Advanced SQL and Python (or R) skills for independent analysis.
• Proven track record of reducing losses or costs, supported by before-and-after evidence.
• Practical experience with experimentation (A/B testing, champion/challenger).
• Hands-on use of AI at work (ML, LLMs, or agents), with examples that can be demonstrated.
• Preferred: payment propensity models or collections scoring experience.
• Preferred: experience with digital credit products (cards, loans, BNPL).
• Preferred: Databricks or an equivalent analytics stack.
• Analytical mindset: make evidence-based decisions and clearly articulate hypotheses.
• Business and cost awareness: connect every proposal to financial impact.
• Autonomy and ownership: take problems from diagnosis through implementation.
• Ability to influence without authority and communicate clearly.
• Mentorship and technical leadership: share knowledge and raise the team's standards.

• Competitive, market-aligned salary.
• Remote work — wherever you are, you are part of the team!
• Home office allowance paid monthly through the RecargaPay app.
• Health and dental insurance with no copay.
• Life insurance.
• Flexible meal allowance via Flash.
• TotalPass to support your health and well-being.
• Freedom to be yourself in an inclusive and diverse environment.
• Possibility of using your data for other opportunities within the RecargaPay Group, in accordance with LGPD.