Credit Manager

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.

Requirements

• 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.

Benefits

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
• Spanish or Portuguese classes.
  

Industry-Specific Knowledge

You have broad, real-world experience establishing and scaling Developer Experience practices in complex, regulated environments, with a strong preference for fintech contexts; you turn developer needs into clear golden paths, lightweight standards, and supportive tooling that improve flow and quality and productivity without adding friction, and guide organizations through the cultural and operational shifts required for sustained adoption.

Diversity & Inclusion at RecargaPay

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).