Zippi

Attorney

• Negotiate, review and structure strategic contracts, with a focus on financial operations, Banking-as-a-Service (BaaS) and payment methods;
• Support regulatory issues related to the Central Bank, CVM, FIDCs and licensing before the Central Bank;
• Advise Product, Operations, Finance, People and Commercial teams on day-to-day legal decisions;
• Support privacy and data protection initiatives (LGPD);
• Participate in building and evolving internal processes, policies and legal governance.

Legal Analyst

Business Analyst

• 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

Legal Analyst

Credit Business Analyst