Collections Specialist

Job not on LinkedIn

🔥 7 minutes ago

🇧🇷 Brazil – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

📞 Collections

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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RecargaPay

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2010

💼 Consulting

📦 Logistics

📣 Marketing

💰 $10M Debt Financing on 2022-07

Consulting • Logistics • Marketing

RecargaPay is a leading all-in-one payment platform in Brazil, dedicated to providing easy and secure access to mobile payments and digital financial services for everyone. The platform enables users to pay bills, recharge transportation and mobile phones, purchase gift cards, and make Pix transactions with credit cards. RecargaPay offers a comprehensive range of financial services, including cashback rewards, small loans, and a digital wallet with daily interest accrual. Additionally, they provide services to businesses, such as free business accounts, payment processing, and marketing solutions. With a focus on accessibility and innovation, RecargaPay strives to change how payments are made in Brazil.

📋 Description

• Lead high-complexity, strategically impactful Credit Collection projects from diagnosis through implementation. • Define standards, frameworks, and best practices for the collections discipline. • Design and calibrate collection policies and treatment strategies by product and portfolio. • Analyze portfolio performance (roll rate, vintage, cure, and recovery) and translate findings into actionable recommendations. • Optimize credit costs by prioritizing initiatives based on measurable impact on losses and collection costs. • Lead experiments (A/B testing, champion/challenger) and interpret results rigorously. • Apply AI and automation (propensity models, segmentation, LLMs, and agents) to collections and analytical workflows. • Propose and implement process improvements with Operations, Product, Engineering, Risk, and Legal, ensuring regulatory compliance (LGPD, CDC, and Central Bank regulations). • Serve as a technical reference and mentor for the team. • Collaborate with leadership to define the roadmap and priorities. • Represent the company in external forums and industry communities.

🎯 Requirements

• Solid experience in collections, recovery, or credit policies within a fintech, bank, or financial retail environment. • Advanced SQL and Python (or R) skills for independent analysis. • Proven track record of reducing losses or costs, supported by before-and-after evidence. • Practical experience with experimentation (A/B testing, champion/challenger). • Hands-on use of AI at work (ML, LLMs, or agents), with examples that can be demonstrated. • Preferred: payment propensity models or collections scoring experience. • Preferred: experience with digital credit products (cards, loans, BNPL). • Preferred: Databricks or an equivalent analytics stack. • Analytical mindset: make evidence-based decisions and clearly articulate hypotheses. • Business and cost awareness: connect every proposal to financial impact. • Autonomy and ownership: take problems from diagnosis through implementation. • Ability to influence without authority and communicate clearly. • Mentorship and technical leadership: share knowledge and raise the team's standards.

🏖️ Benefits

• Competitive, market-aligned salary. • Remote work — wherever you are, you are part of the team! • Home office allowance paid monthly through the RecargaPay app. • Health and dental insurance with no copay. • Life insurance. • Flexible meal allowance via Flash. • TotalPass to support your health and well-being. • Freedom to be yourself in an inclusive and diverse environment. • Possibility of using your data for other opportunities within the RecargaPay Group, in accordance with LGPD.