Job Summary: Professional responsible for end-to-end management of the Credit product, coordinating origination, analysis, approval, and portfolio monitoring, balancing growth, profitability, and risk. Key Highlights: 1. End-to-end management of the Credit product 2. Focus on growth, profitability, and risk control 3. Coordination of credit origination, analysis, and approval **Area of Operation:** Product Management, Risk Management, Payment Methods, Credit Offering, Performance, Credit Policies**City:** Cuiabá**State:** MT**Country:** Brazil**On-site position in Cuiabá/MT** **About the Company:** Redeflex operates in over 1,500 locations. Hundreds of consultants serve merchants and business owners across 10 states, delivering best-in-class payment solutions. **Job Mission** To be fully responsible for managing the Credit product, ensuring a balance among growth, profitability, and risk control through coordination of origination, analysis, approval, and portfolio monitoring, while ensuring compliance with internal policies and the company’s strategic guidelines. **Main Responsibilities** * Credit Product Management * Credit Origination and Offering * Credit Analysis, Approval, and Risk Management * Credit Policy and Governance * Portfolio and Performance Management * Internal Department Coordination * People Management **Key Performance Indicators Monitored** * Total credit volume approved * Approval rate * Average ticket size * Delinquency and overdue rates * Losses and product profitability * Performance by segment, region, and customer type * FPD, among others. **Job Requirements** * Bachelor’s degree in Business Administration, Economics, Accounting, Engineering, or related fields. * Postgraduate degree or MBA in Finance, Credit, or Risk Management (preferred). * Solid experience in **Credit Management; Financial Products; Credit Workflows; Credit Engines; Credit Policies; Credit Committees.** * Prior experience in financial institutions, fintechs, acquirers, or IP providers is a plus. **Technical Knowledge** * Credit risk analysis * Credit policies and authority levels * Performance and risk indicators * Interpretation of management reports (MIS) * Funding acquisition and financial impact of credit * Integration with acquiring products (a plus) **Behavioral Competencies** * Analytical and strategic mindset * Decision-making ability * Leadership and influence * Organization and discipline * Clear communication with technical and executive teams * Strong sense of responsibility and governance **Employment Model: CLT – On-site in Cuiabá/MT** **Benefits**: * Health Insurance (60% covered by the company. Dependents may be added at no company subsidy). * Dental Insurance; * Meal Allowance: BRL 27.00 per workday, paid monthly via VR Refeição; * University discounts; * Pharmacy discounts (Drogasil network); * Life Insurance.
João Silva
Indeed · HR
João Silva
Indeed · HR
