Credit Portfolio Manager

About Credix

Credix is a FinTech company dedicated to growing businesses in Latin America. Building on our expertise, we now focus on providing a tailored Buy Now, Pay Later (BNPL) solution for B2B transactions in Brazil with our platform, CrediPay. CrediPay is created to help business grow their sales and improve their cashflow efficiency through seamless and risk-free credit offering. Sellers offer their buyers flexible payment terms at an attractive price point and receive upfront payments. We manage and protect our clients from any credit & fraud risk, letting them focus only on what matters: increased sales and profitability.

Why choose Credix?

• Become part of a forward-thinking start-up where boldness and a commitment to excellence are paramount, and your personal and professional development is at the forefront.
• Work alongside a dedicated team of bright individuals driven by an Olympian mindset to excel in every aspect of our operations. Together, we aim to build with velocity, utilizing innovative embedded finance strategies to expand business operations in Latin America.
• Experience a close and supportive work atmosphere where collaboration thrives, wise judgment guides our decisions, and you can learn, grow, and take on meaningful responsibilities.

About the job

We're looking for a Credit Portfolio Manager / Risk Specialist to keep track of the CrediPay credit portfolio and its risk performance, on both the buyer and the seller side. You'll build, calculate and present the risk indicators that show how the book is doing, explain what drives each movement in provisions and losses, and report the numbers to our committees, board and fund partners. You'll work closely with our Data Science team as the business focal point for our credit models, designing the policies that decide who we lend to and how much, from acquisition to credit limits, and weighing growth against risk-adjusted margin. You'll also lead ad hoc analyses on pricing and other questions as they come up.

Qualifications

• At least 3 years of experience in credit risk, including provisions and loss analysis, ideally in fintech, lending or FIDC/receivables.
• Strongly analytical, with a solid grounding in statistics: distributions, regression, hypothesis testing, confidence intervals, and model performance and stability metrics such as KS, Gini, AUC and PSI.
• Solid knowledge of credit and credit policy, and of risk metrics: roll rates, vintages, delinquency and NPL, aging, provisions, cost of risk and concentration.
• Experience designing and monitoring credit policies, from acquisition to credit limits, and measuring their impact.
• Understanding of unit economics and risk-adjusted margin (revenue, cost of risk, cost of funding), so that policy and pricing decisions weigh growth against losses.
• Strong SQL, plus Python or R for analysis.
• Data visualization with a BI tool such as Power BI, Tableau or Looker.
• Understanding of machine learning from the user side: how credit models work and how to apply them day to day. Model development stays with our Data Science team.
• Able to turn numbers into a clear message for committees and the board, with an ownership mindset and the rigor to reconcile every figure before presenting it.
• Advanced English, written and spoken.
• Differentiator: experience with B2B credit.

Responsibilities

• Track the portfolio's provisions and losses, and explain what drives each movement.
• Build, calculate and report the risk indicators (delinquency, NPL, vintages, roll rates, losses, aging), including the materials that go to committees, the board and our fund partners.
• Segment and analyze the portfolio, and project how it will perform.
• Monitor buyer- and seller-level risk and portfolio concentration (single buyer, single seller, sector), including credit-insurance limits, against our internal caps and the criteria of our funding vehicles.
• Set up early-warning indicators and follow our credit models from the business side (approval rates, stability, predicted versus realized default), flagging deterioration early.
• Design and adjust credit and limit policies with the Data Science team, from acquisition to credit limits, deciding where to expand or restrict credit based on risk-adjusted margin.
• Act as the business focal point for Data Science in the development and use of our credit models.
• Lead ad hoc analyses on pricing and other questions that come up.

What we offer

Collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow. With access to our offices in Sao Paulo, you’ll immerse yourself in a culture of innovation and collaboration.

But that’s just the beginning - here’s what else we offer:

• A culture of learning and experimentation: where you are encouraged to explore new ideas and technologies
• Competitive salary package: Your hard work deserves recognition, and we ensure you’re well-rewarded for your contributions.
• Equity stock options plan: Be a part of our journey towards success and share in the rewards.
• Paid holidays: Enjoy the flexibility to recharge and rejuvenate
• off-sites: Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.

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