Collections Lead

About Credix Credix is a Fin Tech company dedicated to growing businesses in Latin America. Building on our expertise, we now focus on providing a tailored Buy Now, Pay Later (BNPL) solution for B2 B transactions in Brazil with our platform, Credi Pay. Credi Pay is created to help business grow their sales and improve their cashflow efficiency through seamless and risk-free credit offering. Sellers offer their buyers flexible payment terms at an attractive price point and receive upfront payments. We manage and protect our clients from any credit & fraud risk, letting them focus only on what matters: increased sales and profitability. Why choose Credix? Become part of a forward-thinking start-up where boldness and a commitment to excellence are paramount, and your personal and professional development is at the forefront. Work alongside a dedicated team of bright individuals driven by an Olympian mindset to excel in every aspect of our operations. Together, we aim to build with velocity, utilizing innovative embedded finance strategies to expand business operations in Latin America. Experience a close and supportive work atmosphere where collaboration thrives, wise judgment guides our decisions, and you can learn, grow, and take on meaningful responsibilities. About the job As Collections lead, you will own the strategy that protects liquidity and strengthens trust in the Credix ecosystem. Operations runs the day-to-day recoveries; your role is to define the strategy , policy, and data intelligence that make those efforts precise, fair, and scalable. You'll guide how we balance recovery and relationships, when to engage, when to escalate, and when to step back. You'll refine our existing policy and performance frameworks, turning data into foresight and our network data into leverage - ensuring that Credix's collections model becomes a competitive advantage, not just a control function. Qualifications Strong experience in credit recovery in the context of Brazilian SMEs. Proficiency with SQL and BI tools. Ability to interpret cohort data and design actionable segmentation strategies. Deep knowledge of Brazil's legal and judicial collection frameworks. Clear communicator; able to translate data into field-ready direction. Collaborative but decisive - able to guide Operations while respecting ownership. Pragmatic problem-solver with a bias toward execution. Fluent in Portuguese and English. Responsibilities Own the collections strategy and policy across all product lines. Guide Operations: ensure day-to-day execution follows data-backed policy and economic logic. Oversee complex recoveries and litigation, directly managing negotiations on high-value or reputationally sensitive cases. Partner with the Data team to evolve our analytics layer - feeding insights from collections into credit models and underwriting. Optimise the economic model of recovery: continuously measure ROI per effort type and segment. Manage external partners (law firms, collection agencies) with a clear view of cost, compliance, and outcome quality. Report and communicate results clearly to leadership and investors - recovery performance, portfolio health, and systemic learnings. What we offer Collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow. With access to our offices in Sao Paulo, you'll immerse yourself in a culture of innovation and collaboration. But that's just the beginning - here's what else we offer: A culture of learning and experimentation: where you are encouraged to explore new ideas and technologies Competitive salary package: Your hard work deserves recognition, and we ensure you're well-rewarded for your contributions. Equity stock options plan: Be a part of our journey towards success and share in the rewards. Paid holidays: Enjoy the flexibility to recharge and rejuvenate off-sites: Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.