Software Engineer

• Develop, evolve and maintain .NET applications with a focus on high performance, security and quality.
• Actively participate in the design and definition of system architecture, proposing scalable solutions aligned with engineering best practices.
• Analyze technical and business requirements and translate them into effective, well-structured solutions.
• Conduct code reviews, support the team in technical decisions and promote development best practices.
• Ensure delivery quality through automated tests, proper versioning practices and clear documentation.
• Investigate and resolve complex issues, identify root causes and propose long-term improvements.
• Collaborate with multidisciplinary teams (product, QA, infrastructure, data) to ensure consistent deliveries aligned with strategic objectives.
• Participate in agile ceremonies, contributing to planning, estimation and technical prioritization.
• Support modernization initiatives, refactoring of legacy components and evolution of existing architectures.

Senior Developer Analyst

Analyst

• Will work on studies and analyses of new business opportunities;
• Develop, monitor and communicate product actions, product indicators, and topics related to product management;
• Promote and lead initiatives and projects within the area that contribute to the product backlog and roadmap.

Junior Product Analyst – Cards

Risk

• Support the management of IT governance processes, ensuring adherence to ITIL 4 practices (Change, Incident, Problem and Release Management) and to current corporate frameworks.
• Assist in the drafting, review and publication of regulations, policies and procedures related to IT infrastructure and operations processes, keeping the document repository up to date.
• Monitor performance indicators (KPIs/SLAs) for governance processes, producing periodic management and executive reports for presentation to leadership and audit teams.
• Provide support for CAB (Change Advisory Board) meetings, including scheduling, agenda preparation, minute-taking, tracking decisions and following up on action plans.
• Monitor compliance with change freeze periods (the first and last five business days of the month) and authorized change windows, flagging deviations to management.
• Assist in responding to internal and external audits by collecting evidence, organizing supporting documentation and helping to develop action plans to address findings.
• Extract, cleanse and consolidate data from ITSM platforms (ServiceNow, Freshservice) to build dashboards and follow-up reports.
• Support access governance, inventories and the lifecycle management of infrastructure assets and databases, ensuring traceability and compliance.
• Participate in continuous improvement projects for IT processes, contributing to AS-IS/TO-BE mappings, identifying bottlenecks and proposing automations.
• Interact with business areas, Cybersecurity, Audit and vendors to enable process execution and ensure compliance with corporate policies.
• Contribute to a culture of regulatory compliance (BACEN - Brazilian Central Bank, SOX, LGPD - Brazilian Data Protection Law), ensuring processes operate within the regulatory requirements applicable to the financial sector.

Junior Governance Analyst

Manager

• Define and evolve the customer segmentation strategy and value proposition, ensuring:
• Competitive differentiation by segment;
• Revenue and profitability growth;
• Improvement of experience and retention;
• Increased share of wallet and cross-sell;
• Coherence between strategy, journey and execution.
• Define the segmentation model (value, behavior, need, risk, potential).
• Structure customer clusters based on transactional, behavioral and psychographic data.
• Evolve segmentation from static models to dynamic and predictive models.
• Define segment prioritization criteria (value, growth, risk, cost-to-serve).
• Define specific value propositions for each segment.
• Translate customer needs into offers, services and experiences.
• Ensure alignment between value proposition, product portfolio and communications.
• Structure clear differentiation between segments (e.g.: investor, borrower, delinquent, digital, premium).
• Define cross-sell, up-sell and retention strategies by segment.
• Prioritize initiatives based on ROI and customer impact.
• Work closely with growth, marketing and product teams.
• Monitor customer value metrics (LTV, CAC, churn, NPS, share of wallet).
• Establish segmentation governance within the organization.
• Define roles and responsibilities across teams (segments, CRM, marketing, channels, products).
• Create executive rituals to track performance by segment.
• Ensure consistency of the strategy across the organization.
• Lead multidisciplinary teams.
• Act as a bridge between strategy and execution.
• Influence senior stakeholders (executive board, board of directors, technology, risk, commercial).
• Build a data-driven and customer-centric culture.

Executive Manager, Customer Segmentation

Business Analyst

• Develop and monitor performance indicators (e.g., roll rate, efficiency, goal attainment, PDD).
• Build and track credit recovery targets based on historical performance and improvement potential.
• **Modeling and Testing:**
• Propose, execute, and measure A/B tests and statistical experiments to improve performance and reduce costs.
• Develop statistical models (machine learning, AI, and others) with the objective of designing solutions to optimize recovery and operational performance.

Support and Business Analyst – Mid-Level

• Provide service to internal and external clients, ensuring prompt, high-quality responses;
• Maintain ongoing relationships with partner areas such as Accounting, Sales, Tax, Audit, and others;
• Monitor area KPIs, supporting the identification of deviations and opportunities for improvement;
• Execute and validate the reconciliation of commission calculations;
• Process payments related to commissions, awards, and bonuses, ensuring compliance with established rules;
• Adjust rules and parameters in various systems according to business needs;
• Support and participate in area projects, including testing and system/process validation (homologation) activities.

Junior Commission Analyst

Program Manager

• Support and implement strategic efforts to manage stock management operations, ensure processes support PMI brands sales and distribution contracts and align with client defined monthly objectives.
• Collaborate with Field, Operations, and Training team leads during program execution.
• Develop and manage program timelines, initiating the critical path and taking action to keep work and teams on track.
• Directly manage City Manager(s)/Area Manager(s) performance across all channels and markets, establishing clear accountability frameworks for execution and results.
• Work with Director of Field Services and support onboarding and training efforts for new hires, coordinating cross-functional resources to ensure teams are set up for success quickly and effectively across all channels.
• Govern scalable onboarding mechanisms to support consistent program launches across all markets, including inventory load-in and operational readiness.
• Partner with the Directors across campaigns, programs, and projects to ensure all components are delivered on time, on budget, and at high quality.
• Oversee HEETS selling unit placement, setup, and visual merchandising execution, ensuring alignment with brand standards and approved layouts.
• Ensure education and enablement of LANU staff and management, supporting effective execution of selling programs and venue staff referral initiatives.
• Maintain accountability for contract compliance by implementing audit frameworks, monitoring adherence, and driving corrective actions as required.
• Govern inventory operations end-to-end, including SAP-based tracking, reconciliation, trend analysis, replenishment strategy, and stock continuity across all contracted outlets, ensuring alignment with GMP documentation and client-defined objectives.
• Collaborate with suppliers, vendors, and internal teams to oversee order fulfillment, logistics coordination, and timely product delivery in compliance with sales and distribution contracts.
• Analyze and collaborate with Director(s) and City Manager(s)/Area Manager(s) on performance reporting across all cadences (daily, weekly, monthly, and quarterly) for both client and internal audiences, ensuring accuracy, clarity, and actionable insights.
• Ensure program execution aligns with established objectives, timelines, and organizational standards through clear communication and consistent leadership oversight.
• Support Director(s) throughout status meetings with clients and the internal back-office team, including developing analysis and actionable insights, agenda-setting, meeting notes, and follow-up tracking.
• Cultivate strong client relationships through regular communication, strategic conversations, and clear articulation of the agency’s full range of services.
• Other duties as assigned.

Program Manager – Consumer Engagement

Director

• Drive executional excellence by standardizing processes, expectations, and performance benchmarks
• Establish and enforce field-wide standards to ensure consistency and accountability across all markets
• Develop and implement SOPs, playbooks, and scalable tools across all field operations
• Oversee end-to-end program execution, from planning through delivery and optimization
• Ensure alignment between client objectives and internal operations
• Identify opportunities to improve program effectiveness and drive revenue growth

Director of Field Services

Data Scientist

• Captura e tratamento de perdas operacionais com foco em mitigação de causa raiz;
• Especificação, implantação e gestão de sistema para registro de perdas operacionais;
• Geração do reporte regulatório de perdas operacionais (CADOC 5050);
• Desenvolvimento e monitoramento de modelos estatísticos e indicadores de risco operacional;
• Construção e gestão de dashboards;

Cientista de Dados Sr – Risco Operacional

• Work with large volumes of data, structuring and analyzing information to solve complex business problems;
• Conduct analytical studies to identify causes of delinquency, churn and loss of profitability, proposing data-driven solutions with direct impact on results;
• Develop and implement strategies to mitigate credit risk and improve recovery, combining exploratory analyses, predictive models and action plans (quick wins and structural initiatives);
• Analyze customer behavior and key drivers of loss, proposing retention solutions and optimization of collections offers;
• Develop, validate, implement and monitor statistical and machine learning models (e.g., propensity, risk, recovery), ensuring continuous performance tracking;
• Act on multidisciplinary projects, connecting data, technology and business;
• Present insights clearly and coherently, using data visualization and storytelling without sacrificing technical rigor;
• Serve as the team's primary technical reference, influencing strategic decisions and promoting an analytical culture;
• Develop a deep understanding of credit and collections products to translate business challenges into scalable solutions.

Senior Credit Retention and Recovery Analyst

• Develop, train and optimize Machine Learning models to support decision-making in the Credit and Collections areas;
• Manage the model lifecycle (monitoring, performance tracking and recalibration);
• Conduct exploratory analyses, ad hoc studies and generate business insights;
• Identify and incorporate new data sources (structured and unstructured);
• Communicate results clearly to stakeholders while maintaining technical rigor;
• Promote a data and analytics culture across business areas;
• Encourage the use of AI and propose innovative approaches, challenging the status quo.

Data Scientist – Mid-level

• Monitor and work alongside customer service units responsible for customer retention (cards and loans), ensuring adherence to defined strategies;
• Monitor operational and performance indicators (retention rate, conversion, quality, recontact);
• Identify improvement opportunities in the retention journey, addressing root causes of cancellations;
• Propose, test, and monitor the effectiveness of retention strategies based on data and customer behavior;
• Work collaboratively with partner areas (Product, Commercial, Operations, Quality, Training), ensuring alignment of actions;
• Support the development of scripts, approaches, and guidance for service teams, focusing on retention and customer experience;
• Conduct periodic performance analyses of the units and present insights and action plans;
• Contribute to the continuous improvement of processes and the customer experience across service channels.

Customer Experience Analyst – Mid-level

• Fraud data and indicator analysis: Monitor and interpret transactional and behavioral data to identify suspicious patterns and propose preventive actions.
• Development of anti-fraud strategies: Create and refine predictive models, business rules, and prevention policies focused on efficiency and loss reduction.
• Management of tools and technologies: Evaluate and implement technological solutions (machine learning, biometrics, authentication, etc.) to strengthen defenses against fraud.
• Preparation of dashboards and management reports: Present results, insights, and recommendations to senior leadership to support strategic decision-making.
• Interface with internal areas and external partners: Collaborate with risk, compliance, legal, customer service, and technology teams, as well as vendors and regulatory bodies.
• Regulatory and market monitoring: Stay updated on trends, regulations, and new fraud schemes to anticipate emerging risks.

Fraud Prevention Strategy Analyst – Mid-level

Operations

• Lead, develop and inspire multidisciplinary teams, promoting a collaborative, results-oriented and client-focused environment.
• Act strategically to strengthen controls, raise governance standards and reduce operational risks.
• Manage and ensure proper processing of operations and regulatory compliance.
• Support internal and external audits.
• Lead automation, digitization and systems integration projects in operational environments.
• Foster a culture of efficiency and reduction of rework, with a focus on scalability and quality.
• Identify opportunities to review processes, standardize procedures and remove bottlenecks.
• Define, monitor and report operational KPIs, ensuring performance visibility and data-driven decision-making.
• Prepare executive materials for board presentations, addressing strategic vision, risks and opportunities.
• Collaborate with Credit, Product, Legal, Asset Desk, Commercial, Technology, Risk, Compliance and other areas.
• Participate in internal and external forums representing Wholesale Operations.
• Interface with financial institutions, counterparties, clearing houses, custodians and regulators.

Operations Manager – Wholesale

• Lead the planning, execution and optimization of multichannel digital performance strategies, including paid media and owned channels.
• Manage and evolve key business KPIs (CPA, CAC, ROAS, ROI, conversion, LTV, etc.), with short-, medium- and long-term perspectives.
• Define, structure and prioritize the performance initiatives backlog, working in an agile model and ensuring deliveries with measurable impact.
• Serve as the performance reference within the organization, with strong influencing and engagement skills, guiding squads and stakeholders (product, technology, CRM, data, UX).
• Identify opportunities across the acquisition and conversion funnel, proposing and leading continuous optimization initiatives (growth and CRO).
• Lead the strategy and evolution of digital sales channels, with focus on:
• - WhatsApp (conversational journeys, automation, CRM integration and assisted sales)
• - Mobile app (app), focusing on acquisition, conversion, activation and retention
• Run and scale A/B tests and continuous experimentation across campaigns, journeys and interfaces.
• Build and oversee executive and operational dashboards, ensuring data governance and strategic interpretation of results.
• Define and manage the media budget, ensuring efficiency, scale and continuous optimization of investments.
• Monitor market trends, technologies and best practices in digital performance, especially in the financial sector.
• Ensure compliance with LGPD and best practices in data use.

BMG