Sr. Credit Analyst
RecargaPay • Brazil
Posted: February 2, 2026
Job Description
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
As a Sr Credit Analyst, you will play a key role in shaping and executing RecargaPay’s credit strategy, ensuring sustainable growth through smart, data-driven decisions. Working in a dynamic and collaborative environment, you will have the opportunity to influence credit policies, optimize processes, and contribute to building innovative financial solutions that enhance customer experience.
- Work in the Credit Policy and Strategy area.
- Propose improvements, changes, and continuous testing to enhance the Credit Policy.
- Analyze and monitor ongoing tests, generating the necessary insights to support decision-making.
- Continuously iterate on credit rules and product strategies to achieve the vertical’s goals and targets.
- Maintain and monitor credit indicators and reports (origination, maintenance).
- Collaborate with other teams to improve credit assessment processes and onboarding flows, reducing friction and increasing conversion.
- Build a close partnership with the Product team to analyze, understand, and propose strategies and adjustments to optimize the product.
- Track and monitor the performance of models developed by the Data Science team.
- Degree in Finance, Economics, Business Administration, or a related field.
- Experience in credit or credit risk, within banks or financial institutions. Experience in fintechs is a plus.
- Strong knowledge of credit assessment and analytical tools.
- Analytical skills and ability to work with large datasets (preferably SQL and Python).
- Excellent communication skills and ability to work collaboratively in matrixed and horizontal structures.
- Proactivity and ability to make informed decisions.
- Good communication and self-sufficiency.
- Familiarity with numbers and strong analytical skills.
- Deep knowledge of financial industry rules and regulations.
Additional Content
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
As a Sr Credit Analyst, you will play a key role in shaping and executing RecargaPay’s credit strategy, ensuring sustainable growth through smart, data-driven decisions. Working in a dynamic and collaborative environment, you will have the opportunity to influence credit policies, optimize processes, and contribute to building innovative financial solutions that enhance customer experience.
- Work in the Credit Policy and Strategy area.
- Propose improvements, changes, and continuous testing to enhance the Credit Policy.
- Analyze and monitor ongoing tests, generating the necessary insights to support decision-making.
- Continuously iterate on credit rules and product strategies to achieve the vertical’s goals and targets.
- Maintain and monitor credit indicators and reports (origination, maintenance).
- Collaborate with other teams to improve credit assessment processes and onboarding flows, reducing friction and increasing conversion.
- Build a close partnership with the Product team to analyze, understand, and propose strategies and adjustments to optimize the product.
- Track and monitor the performance of models developed by the Data Science team.
- Degree in Finance, Economics, Business Administration, or a related field.
- Experience in credit or credit risk, within banks or financial institutions. Experience in fintechs is a plus.
- Strong knowledge of credit assessment and analytical tools.
- Analytical skills and ability to work with large datasets (preferably SQL and Python).
- Excellent communication skills and ability to work collaboratively in matrixed and horizontal structures.
- Proactivity and ability to make informed decisions.
- Good communication and self-sufficiency.
- Familiarity with numbers and strong analytical skills.
- Deep knowledge of financial industry rules and regulations.