Job Summary: The PicPay is seeking a Senior Credit Policy Analyst with strong analytical and communication skills to innovate and develop sustainable and profitable credit policies, leveraging alternative data and solving business problems. Key Highlights: 1. Innovative implementation of digital credit policies 2. Focus on disruptive credit solutions 3. Development of profitable and sustainable policies **About PicPay** With over ten years of history, PicPay is a comprehensive ecosystem of financial and non-financial services designed to meet the daily needs of millions of individuals and businesses, becoming their primary everyday account. Founded in Vitória (ES), the company already serves over 35 million active customers and is part of the J&F Group—one of Brazil’s largest business conglomerates. The company operates across multiple areas, including Financial Services for Individuals, Financial Services for Businesses, Investments, and PicPay Shop. Guided by our culture, we pursue our purpose of bringing far more energy to the lives of millions of Brazilians. Learn about our values: Ownership Mindset, Discipline, Determination, Availability, Simplicity, Humility, and Candor. *Respect, ethics, pursuit of equity, and appreciation of diversity are non-negotiable principles actively practiced in our daily work at PicPay. Therefore, this position is open to all individuals, regardless of gender, religion, ethnicity, disability, age, sexual orientation, or any other factor.* **Learn more about the business unit this role belongs to:** At PicPay, credit is a tool to empower people, businesses, and opportunities. Our Credit team’s mission is to enable credit sustainably—balancing customer base growth with robust, intelligent, data-driven risk management. We strive to deeply understand each customer by evaluating their history, financial behavior, repayment capacity, and collateral to grant appropriate and secure credit limits. We combine technology, analytics, and continuous learning to refine our models and policies, ensuring responsible and timely decisions. More than just a product, credit— for us—is a means to build trust and generate positive impact on our customers’ financial lives—with prudence, innovation, and purpose. **About the Role:** If you possess strong analytical skills, excellent communication abilities, a proactive mindset, and seek a dynamic work environment, come explore our **Senior Credit Policy Analyst** opportunity. This role focuses on credit policy development, offering ample space for creativity and the pursuit of disruptive solutions for digital credit. We value and support diversity in all its forms, and professionals of all backgrounds are welcomed and considered for roles within our company. **Responsibilities and Duties:** * Develop and implement credit policies that enable PicPay’s Credit growth strategy in a profitable and sustainable manner; * Innovate in the exploration and use of alternative data (internal and external) to build optimized, strategy-aligned credit policy segmentations; * Conduct robust analytical studies to support decisions aimed at improving approval rates and optimizing risk/return levels; * Design intelligent monitoring systems and assist in optimizing decision-making processes; * Perform analyses to understand root causes of key business issues and propose data-driven solutions; * Monitor portfolio and cohort performance using analytical techniques and segmentation, recommending adjustments to mitigate risk and enhance profitability. **Requirements and Qualifications:** * Knowledge of the credit/collections market and its main information sources; * Proficiency in programming languages and database manipulation (SQL, Python, Databricks); * Understanding of profitability and key credit P&L indicators; * Experience in credit policy development, particularly for credit card products; * Ability to mathematically model real-world problems and solve them using quantitative methods; * Strong communication skills for alignment and collaborative development of studies and projects with internal and external partner teams, including those outside the Credit area. **Note:** * **This position follows a hybrid work model, requiring 3 days per week at our Brooklin headquarters (R. Porto União, 295 – Brooklin – São Paulo – SP).** **What We Offer:** **Health and Well-being** * Medical and Dental Insurance; * Life Insurance; * “Lado a Lado” Program, offering legal, social, psychological, and financial support; * Wellhub. **Meals/Mobility or Remote Work:** * **PicPay Benefits** credit card, widely accepted, where you receive your meal/food and mobility or remote work allowance (per your employment contract). **Parental Leave:** * Extended maternity leave of 6 months, and extended paternity leave of 20 days. * “Novo Ser” Program, supporting expectant mothers throughout pregnancy and after returning from maternity leave. Speaking of which, upon returning from maternity leave, mothers also receive **Childcare Assistance**, and fathers with sole or shared custody are eligible as well. **Performance Recognition: PPR – PicPay Profit Sharing Program. #VemserPicpayLover #Picpay #LI-TS1 #LI-ONSITE