Credit Business Analyst

🕒 July 8

🇧🇷 Brazil – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Business Analyst

👻 Ghost score 11%

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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Zippi

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2018

💳 Fintech

🤝 B2B

🛍️ eCommerce

💰 Series A on 2022-06

Fintech • B2B • eCommerce

Zippi is a financial technology company that offers credit solutions designed specifically for small businesses and independent professionals. Through its app, users can access credit instantly via Pix, with a focus on increasing their working capital and enabling them to handle payments efficiently without the need for traditional credit cards. Zippi’s services emphasize convenience, flexibility, and a growth-oriented approach, allowing businesses to manage their finances with real-time credit access, helping them become more professional and competitive in their fields.

📋 Description

• Lead the pricing learning agenda: design rate-elasticity experiments, segmentation, result interpretation, and rollout recommendations • Design, in partnership with Portfolio Management and Product, payment gamification policies: reward rules by behavior, eligibility criteria, anti-fraud guardrails, and cohort impact evaluation • Support risk calibration for new products by adjusting risk appetite and credit policies according to direct-debit enrollment • Monitor adjacent pricing initiatives, such as new segmentations, when they intersect with pricing and profitability • Run end-to-end tests: hypothesis, design, stakeholder alignment (Credit, Data Science, Product, Payments, Collections), implementation specifications, monitoring, and rollout recommendation • Work with Data Science to prioritize and evaluate models that feed pricing decisions, defining objectives and success criteria from a business perspective • Produce analyses and materials that support pricing and gamification decisions, communicating clearly to both technical and business audiences, including leaders across other areas

🎯 Requirements

• Strong SQL skills; comfortable navigating large datasets • Experience leading price tests or risk-policy experiments (design, execution, analysis, and rollout recommendation) • Applied statistics for experimentation (A/B testing, holdouts, statistical significance) • Experience with pricing, profitability, unit economics, and payback • Ability to influence senior stakeholders across multiple areas • Ownership and autonomy to propose a project’s success metric, not only execute it • Clear communicator for both technical and business audiences • Python and familiarity with data versioning (desirable) • Experience with credit models or alternative data (e.g., Open Finance) (desirable) • Experience with incentive/gamification mechanisms in financial or consumer products (desirable)

🏖️ Benefits

• Compensation at the high end of market • Annual learning budget • Health plan 100% paid by Zippi for you and dependents up to 18 years. For spouses/partners, we cover 50% of the premium • Childcare assistance for children up to 6 years • Meal allowance via Caju • Flexible vacation • Wellhub and Zenklub • 100% remote work