RecargaPay

Collections Strategy Specialist

RecargaPay

full-time

Posted on:

Location Type: Remote

Location: Brazil

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Tech Stack

SQL

About the role

  • Strategic Portfolio Ownership: Develop and execute segmentation strategies based on risk modeling and customer behavior, moving beyond basic aging buckets.
  • Deep-Dive Analytics: Monitor, analyze, and explain variances in core KPIs such as $Roll-Rates$, $Flow-Rates$, $Cure-Rates$, and $Loss-Given-Default (LGD)$.
  • Unit Economics Optimization: Balance recovery rates against collection costs (internal vs. external) to ensure maximum net efficiency.
  • Process Transformation: Identify bottlenecks in the collection funnel and proactively lead cross-functional projects (Product, Engineering, Data Science) to automate and improve the UX.
  • A/B Testing Champion: Design, implement, and measure experiments across different communication channels, messaging tones, and settlement offers.
  • Performance Reporting: Translate complex data into actionable insights and strategic presentations for senior leadership.

Requirements

  • Analytical Powerhouse: Proven ability to turn raw data into business strategy. You should be comfortable challenging the status quo with numbers.
  • Technical Proficiency: Strong command of SQL is mandatory for data extraction and manipulation. Proficiency in BI tools is required.
  • Financial Acumen: Solid understanding of credit products, P&L impact, and provisioning (PCLD).
  • Protagonism & Ownership: A "get it done" mindset. You take full responsibility for the results of your portfolio and lead solutions without being asked.
  • Effective Communication: Ability to articulate complex technical findings to non-technical stakeholders clearly and persuasively.
  • Nice to have
  • Previous experience in Fintechs, Neobanks, or high-growth technology environments.
  • Experience with Collection Automation and managing APIs for third-party recovery partners.
  • Familiarity with AI/Machine Learning tools applied to credit recovery and propensity-to-pay models.
Benefits
  • Competitive and market-aligned salary.
  • Remote work — wherever you are, you’re part of the team!
  • Home office allowance through a monthly deposit in the RecargaPay app.
  • Health and dental plans with no co-pay.
  • Life insurance.
  • Flexible meal allowance (via Flash).
  • TotalPass membership to take care of your health.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
SQLBI toolsA/B TestingData AnalyticsRisk ModelingCustomer Behavior AnalysisCollection AutomationAPIsAI/Machine LearningFinancial Analysis
Soft Skills
Analytical ThinkingProtagonismEffective CommunicationLeadershipProblem SolvingStrategic ThinkingCollaborationResponsibilityPresentation SkillsAdaptability