Sr Product Analyst (Lending)

RecargaPay is the Super App that simplifies everyday payments for consumers and SMEs in Brazil.

The platform streamlines payments for over 6 million Brazilians by consolidating credit and debit cards, instant payments like Pix, and Open Finance, on a mission to democratize mobile payments and financial services in Brazil.

Featuring services such as bill payments, mobile top-ups, public transportation, installment plans, and loans, designed with convenience, low cost and flexibility in mind. RecargaPay is changing the way both banked and unbanked Brazilians make their everyday payments and access their financial services.

The expectation of  the Sr. Product Analyst is to play a critical role in driving informed decision-making,  optimizing loan offerings, and enhancing risk management strategies within the company’s lending portfolio. With the customer in mind as a first priority,  the product analyst will dive into the data to increase conversion, retention, optimize user experience while accounting for  profitability. 

• Portfolio Analysis: Analyze the lending portfolio to assess performance, identify trends, and uncover opportunities for improvement.
• Data-Driven Insights: Leverage data analytics to inform strategies for optimizing loan offerings, pricing, and risk management.
• Skillful at communication & data presentation: ability to create and deliver impactful presentations that effectively communicate clear results and persuade the audience to embrace proposed strategies.
• Making things happen: Extensive experience as a product management analyst with a proven track record of implementing clear actions that effectively drive changes in KPIs.
• Market Research: Conduct research on industry trends and competitor offerings to help shape our lending strategy and identify new opportunities.
• Collaboration: Partner with cross-functional teams, including credit risk team, marketing, and operations, to implement initiatives that improve the lending portfolio.
• Loan Product Optimization: Evaluate existing loan products based on performance data and customer feedback. Analyze factors such as loan terms, interest rates, and features to determine which products are most effective and identify opportunities for new offerings.
• Pricing Strategies: Conduct price sensitivity analyses to understand how changes in interest rates and fees impact demand and profitability. 
• Focus on growth: identify and implement growth strategies considering life time value. 

Requirements

• Engineering, Economics, Business, Statistics or Mathematics are preferred fields;
• Experience in credit is a plus;
• Experience with credit policies, BI tools, data analysis with SQL and Amplitude, and A/B testing is essential;
• The candidate must have effective communication skills, a detailed and customer-centric approach, and be able to work independently and collaborate with the team.

Benefits

• Medical and Dental assistance without co-participation;
• Life insurance;
• Flexible Meal voucher - Flash;
• TotalPass;
• Home office assistance - monthly deposit in the RecargaPay app for personal use;
• Spanish classes;
• Educational partnerships;
• Discount in Universities for Undergraduate, Graduate and MBA courses;
• Anywhere office - work from wherever you want.

Diversity & Inclusion at RecargaPay
Diversity is part of our DNA and we are in constant search for representativeness and evolution. We believe that our employees should be who they are, and that is what makes them unique in their roles - regardless of gender, religion, disabilities, LGBTQI+, ethnicity, generations and different experiences. And we are looking for people who are authentic and free to co-create a more inclusive and innovative company and society. Does it sound like you?

About the use of your Data

The candidate, when sending a resume with personal and professional data to participate in the RecargaPay recruitment and selection process, is aware that the data will be used for the necessary analyzes and validations throughout the recruitment process and for hiring, if necessary, as well how you authorize RecargaPay to share curriculum data with other companies in the RecargaPay group if opportunities arise according to the candidate's profile.

In compliance with Law 13.709 / 18, LGPD - General Data Protection Law, the candidate may request the update, rectification and modification of their information during the recruitment and selection process, or, even, request the non-use of data under the terms the terms of applicable law.