B2B Credit Policy Manager

We are hiring a B2B Credit Policy Manager in our Financial Solutions (New Initiatives) area in Brazil!

This is a Remote – Brazil position, meaning you can work from anywhere within the country. Please note that this role is only open to candidates in Brazil.

As a B2B Credit Policy Manager, you will be one of the key architects of our financial ecosystem. This is not a traditional "back-office" credit position - it is a strategic and highly analytical role, focused on automation and scalability. You will be responsible for designing and optimizing credit policies and processes, using advanced data analytics to automate decision-making for our SME (Small and Medium-sized Enterprises) segment, as well as collaborating across departments to refine our Risk-Based Pricing. The position is 100% remote, and we are a company that actively encourages the use of Artificial Intelligence in our daily work to gain speed, automate repetitive tasks, and amplify the impact of every decision. If you excel in fast-paced environments where your policies directly impact the company's financial bottom line and global footprint, this is your next challenge.

YOUR IMPACT

• Strategy Development: Design, implement, and review policies for granting, maintaining, and expanding B2B credit limits.
• Portfolio Risk Management: Monitor key performance indicators (KPIs) such as Overdue, Bad Debt, and payment behavior across the active portfolio.
• Pricing and Strategy: Conduct studies to define pricing, calibrating commercial conditions based on risk levels (Risk-Based Pricing) to ensure a balance between competitiveness and contribution margin.
• Score Modeling: Collaborate with the Data team in creating Credit Scoring and Behavior Scoring models specific to Wellhub's business model.
• Strategic Interface: Act as an internal consultant for the Sales and Customer Success teams, balancing portfolio growth with financial health.
• Live the mission: inspire and empower others by genuinely caring for your own wellbeing and your colleagues. Bring wellbeing to the forefront of work, and create a supportive environment where everyone feels comfortable taking care of themselves, taking time off, and finding work-life wellness.

WHO YOU ARE

• Education: Bachelor's degree in Engineering, Economics, Statistics, Business Administration, or related quantitative fields.
• Previous Experience: Proven track record in B2B Credit Risk, specifically in developing credit policies, limit management, and risk-based pricing.
• Technical Tools: Advanced SQL for data extraction and proficiency in data visualization tools (Tableau, Power BI, or Looker). Knowledge of Python is a strong plus.
• Modeling & Automation: Experience working with automated decision engines and credit scoring models (Application & Behavior); hands-on experience in building or calibrating these models is a plus.
• Financial Analysis: Deep understanding of corporate financial statements (P&L, Cash Flow), especially for the SME segment. Familiarity with recurring revenue/SaaS models is a plus.
• Market Knowledge: Familiarity with credit bureaus (Serasa, Boa Vista, Quod) and the Brazilian financial regulatory landscape.
• Skills & Mindset: Strong analytical thinking, with the ability to translate complex data into business strategies and communicate proposals and results to executive stakeholders. "Hands-on" approach to problem-solving in fast-paced environments.
• Languages: Advanced English is a plus but not required.

We recognize that individuals approach job applications differently. We strongly encourage all aspiring applicants to go for it, even if they don't match the job description 100%. We welcome your application and will be delighted to explore if you could be a great fit for our team. For this specific role, please note that prior experience in B2B credit risk (developing credit policies), Advanced SQL and data analysis and visualization knowledge and experience and technical knowledge with modeling and automation are mandatory requirements.