Job Summary: Work on credit recovery routines, with a focus on strategic negotiation, reconciliation, and monitoring to ensure the financial health of the portfolio. Key Highlights: 1. Manage delinquent portfolios and conduct negotiations 2. Monitor and analyze portfolios of delinquent customers 3. Collaborate with Commercial, Legal, and Credit departments **Work Model:** Hybrid work model (Brooklin, São Paulo/SP) **About the Team:** Credit and Collections teams aim to scale and enhance the customer experience within the credit ecosystem of Conta Simples. Thus, they operate in an integrated manner to ensure agility and efficiency, maximizing the financial return of credit operations while safeguarding strong relationships with our clients (PJ). **Role Challenges:** Perform operational routines for recovering delinquent credit, focusing on strategic negotiation, portfolio reconciliation, and operational monitoring—contributing to the portfolio’s financial health and operational sustainability. **Responsibilities and Duties** **Your Day-to-Day at Conta Simples:** * Manage the delinquent portfolio, conducting negotiations via customer service channels; * Monitor and analyze portfolios of delinquent customers, identifying risks and opportunities; * Portfolio reconciliation; * Updating internal systems; * Track submission, controls, and clearance of negative credit reporting and protests; * Follow and support recovery strategies based on analysis of the portfolio’s delinquency profile; * Collaborate with Commercial, Legal, and Credit departments to resolve cases; * Establish recovery strategies based on analysis of the portfolio’s delinquency profile; * Data analysis; * Use of CRM and dialers for contact management **Requirements and Qualifications** **What We Expect From You:** * Prior experience in PJ collections; * Knowledge of extrajudicial and judicial collection processes and terminology; * Negotiation and credit recovery skills; * Analytical ability for data analysis; * Advanced Excel **Nice-to-Have:** * ****Prior experience at startups or digital banks; * Previous experience with credit card products; * Knowledge of data analysis tools (SQL, Python, etc.); * Intermediate English **Additional Information** **Take a look at (some of) the benefits of being a Simpler:** Health insurance (nationwide coverage) with no monthly fee and copayment for our \#Simplers and up to \+2 legal dependents Dental insurance (nationwide coverage) with no monthly fee and copayment for our \#Simplers and up to \+2 legal dependents Flex Food benefit via iFood Benefits card Mobility allowance via iFood Benefits card Gympass and Totalpass — extended to legal dependents (children and spouses) Birthday-off (to enjoy your special day with those you love!) Partnerships with Educational Institutions Partnership with Vittude platform offering numerous psychologists to support your mental health Partnership with Zenklub platform featuring professionals ready to care for your mental well-being Life insurance Parental leave (maternity: 180 days; paternity: 45 days) Childcare allowance #### **Our Mission** We are **Conta Simples**, a corporate expense management system that unites financial services and technology. We exist to **transform** and **empower** companies’ financial journeys, **optimizing** people’s time. #### **Check Out Some of Our Achievements** * Ranked among the world’s **top 100 most promising fintechs**, according to **CB Insights** * **LinkedIn Top Startups 2023** — overcoming challenges, generating interest, and attracting top talent * Recognized for the **third time** as one of the **100 Startups to Watch**, by PEGN magazine, highlighting our innovation, market potential, business model, and scalability * Featured among the **50 Startups Changing Brazil** (Exame), reflecting our influence on the entrepreneurship ecosystem * Second Brazilian startup to receive investment from **Y Combinator** * Included among the **21 Startups Emerging Giants**, by KPMG * In early 2024, we secured a new round of **Series B funding totaling R$200 million.** All these achievements were possible thanks to our team. We believe in the potential of every Simpler and together build a collaborative, autonomous environment with ample room for growth and development. **\#JoinSimpler!**