Area responsible for developing, implementing, and optimizing strategies that ensure efficient recovery and maintenance of healthy delinquency rates across all our products at Porto Bank. **Responsibilities and Duties** * Develop and review collection policies aligned with institutional guidelines and financial sector regulations; * Coordinate collections analysts’ teams and ensure achievement of established targets; * Develop and analyze performance indicators and propose improvements to credit recovery processes; * Prepare management reports for the Executive Board on the outcomes of collection strategies; * Ensure compliance with Central Bank regulations and applicable legislation; * Develop strategies for renegotiation and retention of delinquent customers. **Requirements and Qualifications** * Bachelor’s degree completed in Administration, Economics, Statistics, Accounting Sciences, Engineering, or related fields. * Experience in collections within the financial sector. * In-depth knowledge of credit and collections legislation. * Knowledge of Credit Card, Loan, and Financing products. * Experience in team management. * Proficiency in data analysis tools. * Ability to perform statistical analysis and interpret financial indicators. * Leadership and decision-making capability. * Assertive communication and advanced negotiation skills. * Strategic vision and results orientation. **Additional Information** **BENEFITS** **Flexible Meal and Food Allowance;** **Health Insurance Plan;** **Dental Insurance Plan;** **Wellhub and TotalPass;** **Exclusive Bio Ritmo Gym for Employees:** located at the Headquarters Complex; **Profit Sharing Program (PLR);** **Stock Ownership Program: Porto em Ação:** complementary to PLR until 2025; **Sand Courts and Multipurpose Sports Courts:** located at the Headquarters Complex; **Transportation Allowance;** **Van Transportation Services;** available at major access stations to Porto (Luz, Barra Funda, Santa Cecília, and Júlio Prestes); **Extended Parental Leave:** up to 40 days for all family configurations; **Extended Maternity Leave** of 6 months; **Medical Clinic with Specialties:** located at the Headquarters Complex and Barra Funda; **Childcare or Babysitter Assistance;** **Life Insurance;** **Private Pension Plan – PortoPrev;** **Discounts on Products and Services;** **Scholarship Program: Reimbursement for undergraduate, graduate, or MBA studies;** **Monthly Running Events:** subsidy for major street races in São Paulo; **Language Reimbursement (English or Spanish);** **Porto Theater:** exclusive sessions for Employees; **Library;** **Rest Room:** located at the Headquarters Complex; **Game Room:** located at the Headquarters Complex; **Massage and Podiatry Services:** located at the Headquarters Complex; **Work Location:** On-site (We operate hybrid work models, which will be explored during the selection process); Porto is much more than an insurance company: it is a vast ecosystem leveraging technology to create solutions through four business verticals: **Porto Bank, Porto Saúde, Porto Seguro, and Porto Serviço**. The reputation and recognition earned over more than 7 decades underscore Porto’s scale — a benchmark company in business, built by and for people. Here, the hearts of 13,000 employees beat with **pride in being part of a solid, ethical organization** that **transforms dreams into extraordinary realities** for our more than 15.8 million customers. We operate through over 101 branches and regional offices across Brazil. Learning is embedded in our DNA, and here you’ll have **incentives, tools, and great people to help you learn and grow every day**, in an inclusive and secure environment where everyone can be themselves and take pride in who they are — fostering respect and **living fully and well-being in a genuinely human company.** **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe that a plural team is essential for the development of our entire business, society, and each individual — because we understand that every person is unique in building a more innovative and inclusive environment. Together, we work daily to build a safe, free, and welcoming space, with greater plurality and respect. Therefore, we **strongly encourage applications from women, Black and Indigenous people, people with disabilities, and LGBTQIA+ individuals** for all our job openings.