Collections Strategy Specialist

Come Make an Impact on Millions of Brazilians! At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses, by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs. We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market. Our goal? Deliver the best payment experience in Brazil for people and small businesses alike. We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact, who want to solve real problems, work with strong teams, and rethink what’s possible. If you’re ready to do your best work, at scale, with purpose, this is your place. Responsibilities At RecargaPay, we go beyond simply tracking delinquency, we build the intelligence that fuels profitability. Our Collections team is evolving from a support role into a true strategic driver of the business. We’re looking for a Collections Strategy Specialist who thinks and acts like an owner. This is not about running reports, it’s about deeply understanding the portfolio, identifying leakage points, and designing scalable, data-driven recovery engines. If you are driven by maximizing ROI, optimizing LGD, and delivering measurable impact on the bottom line through sharp analytical thinking and proactive ownership, this is where you belong. 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.