Head of Credit

Come and impact millions of Brazilians!!

Want to make a difference in the lives of millions of Brazilians? At RecargaPay, we create accessible and innovative financial solutions that transform the way people interact with money. Be part of this impactful and innovative journey, connecting people with opportunities that truly make a difference in their daily lives.

Our purpose is to deliver the best mobile payment experience for Brazilians, addressing real-world challenges with smart solutions like Pix Parcelado, while staying attentive to market trends and our customers' needs. Here, we value collaboration, ownership, and a relentless pursuit of results, delivering excellence in every interaction.

If you’re looking to join a dynamic environment that challenges the status quo and puts people at the center of decision-making, RecargaPay is the perfect place for you to grow, co-create, and make a difference!

We are looking for a senior professional to take on the role of Head of Credit, responsible for defining and managing the company’s credit policy, with a primary focus on the Credit Card product. The ideal candidate will have extensive experience in credit policies, strategies, and modeling, along with a strong background in portfolio management and risk control.

Key Responsibilities:

• Define and manage the Credit Policy for all company products.
• Develop and implement strategies and actions for credit campaigns, such as pre-approved offers.
• Oversee and manage the credit portfolio risk, monitoring indicators and recommending adjustments as needed.
• Define, control, and manage the limit for clients, ensuring compliance with internal policies and risk appetite.
• Track and report key credit KPIs, including delinquency rates, over-limit usage, and portfolio performance from both vintage and portfolio perspectives.
• Ensure governance and compliance of credit practices, aligning with regulatory guidelines and market best practices.

• Solid experience with Credit Cards, with a proven track record in defining credit policies and strategies.

• Knowledge of credit modeling and analytical tools to assess customer risk and behavior.
• Experience in portfolio management and credit risk control, focusing on maximizing results and mitigating losses.
• Ability to lead multidisciplinary teams and manage complex projects, acting strategically and results-oriented.
• Familiarity with credit performance indicators and the ability to conduct detailed portfolio performance analyses.
• Fluency in English or Spanish is required.

• 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.

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).