Especialista Sênior de Política de Crédito B2B

About the role

You will join the Financial Solutions team to architect and scale our B2B credit ecosystem. This role focuses on automating decision-making processes and optimizing risk-based pricing strategies for our small and medium enterprise segment.

Key facts

What you'll do

• Design, implement, and maintain policies for B2B credit granting and limit expansion.
• Monitor portfolio performance indicators including overdue rates and bad debt.
• Conduct pricing studies to balance commercial competitiveness with contribution margins.
• Collaborate with data teams to build and calibrate credit and behavior scoring models.
• Act as an internal consultant for sales and customer success departments to manage financial health.
• Promote a culture of well-being and balance within the team.

Requirements

• Bachelor degree in Engineering, Economics, Statistics, Administration, or related quantitative fields.
• Proven track record in B2B credit risk, specifically in policy development, limit management, and risk-based pricing.
• Advanced SQL proficiency and experience with data visualization tools like Tableau, Power BI, or Looker.
• Technical expertise in automated decision engines and credit scoring models.
• Deep understanding of corporate financial statements such as cash flow and income statements for the SME segment.
• Familiarity with Brazilian credit bureaus like Serasa, Boa Vista, and Quod, plus local financial regulations.
• Ability to translate complex data into business strategy and communicate with executive stakeholders.

Nice to have

• Knowledge of Python.
• Familiarity with SaaS or recurring revenue business models.
• Advanced English proficiency.

Skills & tools

• SQL
• Tableau / Power BI / Looker
• Credit Scoring Models
• Financial Analysis
• Risk-Based Pricing

Practical notes

• Benefits include the Wellhub Gold+ plan for yourself and up to 3 dependents, Wellz mental health support, health/dental insurance, and life insurance.
• Flexible work environment with home office reimbursement and adjustable schedules.
• Time off includes vacation after 6 months, annual leave, birthday leave, and paid parental leave with ramp-back options.
• The company is Syndio Fair Pay Certified.
• Applications are encouraged even if you do not meet 100% of the criteria, provided you possess the mandatory experience in B2B credit risk, SQL, data visualization, and model automation.