Junior Collections Analyst

Description

Job Summary: SOLFI is seeking a Junior Collections Analyst to manage delinquency and credit recovery, pursuing consultative solutions while ensuring compliance. Key Highlights: 1. Reduce delinquency and maximize credit recovery 2. Management of delinquent customer portfolios 3. Negotiation of agreements and formalization of terms SOLFI, a fintech specializing in solar energy financing and financial solutions for integrators, is experiencing strong growth and seeks a Junior Collections Analyst to support delinquency management and credit recovery. If you possess negotiation skills, organizational ability, clear communication, and interest in the financial market, this opportunity is for you. ⸻ JOB MISSION Reduce delinquency and maximize credit recovery through a consultative approach, preserving customer relationships and ensuring adherence to internal policies and compliance regulations. ⸻ KEY RESPONSIBILITIES Portfolio and Collections Management * Manage delinquent customer portfolios by aging (D+1 to >D+90), using multichannel collection strategies (phone, WhatsApp, email, and SMS). * Conduct negotiations for agreements, renegotiations, and settlements, seeking solutions that balance credit recovery and customer experience. Formalization and Compliance * Formalize agreements and negotiation terms, ensuring accurate recording of interactions in the CRM. * Trigger operational actions stipulated in contracts (e.g., technical suspension of the system when applicable), aligned with Legal and Operations teams. Monitoring and Processes * Monitor payment commitments, agreement breaches, and delinquency indicators. * Identify root causes of delinquency and propose improvements to collections and recovery processes. Analysis and Performance * Prepare and monitor portfolio performance reports, including metrics such as roll rate, vintage, PDD, and recovery by bucket. * Support performance analysis and suggest tactical improvements to collection strategies. ⸻ REQUIREMENTS * Experience in credit collections (individuals/SMEs), operating within amicable and pre-legal collection stages. * Negotiation and argumentation skills, with an empathetic yet firm demeanor. * Intermediate proficiency in Excel or Google Sheets. * Experience or familiarity with CRM systems. * Basic knowledge of credit instruments and collections legislation. ⸻ PREFERRED QUALIFICATIONS * Experience in the solar energy sector. * Experience in fintechs or credit recovery companies (servicers). * Experience handling customer disputes and supporting legal requests. Employment Type: Full-time, CLT permanent contract Compensation: Starting from R$1.800,00 per month Benefits: * Meal allowance Work Location: On-site