B2B Credit Policy Manager

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Gympass

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2012

🏥 Healthcare

🧘 Wellness

☁️ SaaS

💰 $5.4M Venture Round on 2021-12

Healthcare • Wellness • SaaS

Gympass is a comprehensive corporate wellness platform that connects employees with a variety of fitness, mindfulness, nutrition, and sleep resources through flexible and cost-effective subscription plans. Offering access to a vast network of gyms, studios, virtual personal trainers, and wellness apps, Gympass is designed to enhance employee wellbeing and improve productivity, retention, and healthcare cost outcomes for businesses. By enabling companies to provide holistic wellness options, Gympass fosters healthier workplace environments and supports employees in maintaining balanced lifestyles both at work and at home.

📋 Description

• Strategy Development: Design, implement, and review policies for granting, maintaining, and expanding B2B credit limits. • Portfolio Risk Management: Monitor key performance indicators (KPIs) such as Overdue, Bad Debt, and payment behavior across the active portfolio. • Pricing and Strategy: Conduct studies to define pricing, calibrating commercial conditions based on risk levels (Risk-Based Pricing) to ensure a balance between competitiveness and contribution margin. • Score Modeling: Collaborate with the Data team in creating Credit Scoring and Behavior Scoring models specific to Wellhub's business model. • Strategic Interface: Act as an internal consultant for the Sales and Customer Success teams, balancing portfolio growth with financial health. • Live the mission: inspire and empower others by genuinely caring for your own wellbeing and your colleagues. Bring wellbeing to the forefront of work, and create a supportive environment where everyone feels comfortable taking care of themselves, taking time off, and finding work-life wellness.

🎯 Requirements

• Education: Bachelor's degree in Engineering, Economics, Statistics, Business Administration, or related quantitative fields. • Previous Experience: Proven track record in B2B Credit Risk, specifically in developing credit policies, limit management, and risk-based pricing. • Technical Tools: Advanced SQL for data extraction and proficiency in data visualization tools (Tableau, Power BI, or Looker). Knowledge of Python is a strong plus. • Modeling & Automation: Experience working with automated decision engines and credit scoring models (Application & Behavior); hands-on experience in building or calibrating these models is a plus. • Financial Analysis: Deep understanding of corporate financial statements (P&L, Cash Flow), especially for the SME segment. Familiarity with recurring revenue/SaaS models is a plus. • Market Knowledge: Familiarity with credit bureaus (Serasa, Boa Vista, Quod) and the Brazilian financial regulatory landscape. • Skills & Mindset: Strong analytical thinking, with the ability to translate complex data into business strategies and communicate proposals and results to executive stakeholders. "Hands-on" approach to problem-solving in fast-paced environments. • Languages: Advanced English is a plus but not required.

🏖️ Benefits

• WELLHUB: Free Gold+ membership with access to onsite gyms and studios, digital fitness programs, and online wellness resources for meditation, nutrition, mental wellbeing support, and more! Add up to three family members to your plan, ensuring access to wellness for those who matter most to you. • WELLZ: A complete emotional wellbeing program with a unique approach. It offers personalized journeys that combine individual therapy sessions (52 per year) and on-demand content. • HEALTHCARE: Health, dental, and life insurance. • FLEXIBLE WORK: As a Flexible First company, we offer hybrid and remote options to give you the freedom to work in a way that suits you. The model for this specific role can be discussed with your recruiter and hiring manager. When you join, use our home office reimbursement to set up your home office. • FLEXIBLE SCHEDULE: Flexibility for us isn’t just about where we work—it also means being able to shape how and when we get things done. Together with their leaders, employees define schedules that align with their time zones, team needs, and personal routines. • PAID TIME OFF: It’s important to take time away from work to recharge. Employees receive vacations after 6 months and additional 3 days off per year + 1 day off for each year of tenure (up to 5 additional days) + an extra holiday for your birthday! • PAID PARENTAL LEAVE: Welcoming a new child is one of the most special moments in your life. Take the time to be present and enjoy your growing family. We offer 100% paid parental leave to all new parents. Parents giving birth are eligible for an extended leave and a ramp-back period to return part-time while they get settled. • CAREER GROWTH: Access world-class platforms, participate in interactive sessions, build your personalized development roadmap, and explore internal opportunities. We focus on continuous learning and feedback to support your journey toward personal and professional success. • CULTURE: You’ll join a team of passionate people who come together to break boundaries, support each other, and create a meaningful impact in workplace wellness. We win together, building trust through open communication and a culture where every perspective matters.