Collections Analyst

About Credix

Credix is a FinTech company dedicated to growing businesses in Latin America. Building on our expertise, we now focus on providing a tailored Buy Now, Pay Later (BNPL) solution for B2B transactions in Brazil with our platform, CrediPay. CrediPay is created to help business grow their sales and improve their cashflow efficiency through seamless and risk-free credit offering.

Sellers offer their buyers flexible payment terms at an attractive price point and receive upfront payments. We manage and protect our clients from any credit & fraud risk, letting them focus only on what matters: increased sales and profitability.

Why choose Credix?

• Become part of a forward-thinking start-up where boldness and a commitment to excellence are paramount, and your personal and professional development is at the forefront.
• Work alongside a dedicated team of bright individuals driven by an Olympian mindset to excel in every aspect of our operations. Together, we aim to build with velocity, utilizing innovative embedded finance strategies to expand business operations in Latin America.
• Experience a close and supportive work atmosphere where collaboration thrives, wise judgment guides our decisions, and you can learn, grow, and take on meaningful responsibilities.

About the Job

We're building Brazil's largest B2B credit infrastructure, and we're looking for a Collections Analyst who is a true negotiation master to play a key role in that journey. You'll be on the front line of debt recovery, negotiating directly — and skillfully — with a wide range of profiles, from small business owners to C-Level executives at global companies, always finding the angle that gets deals done while building the kind of trust that strengthens Credix's relationships with its clients. But this role goes beyond collecting: you'll think strategically, analyzing delinquency data, surfacing actionable insights, and helping shape the future of our automation-first collections model.

If you're a natural dealmaker, a decisive owner, a clear communicator, and thrive in a dynamic credit landscape, this is the role for you.

Qualifications

• 1–2 year of experience in collections, accounts receivable, customer service, call centers, or operational roles.
• Fluent in Portuguese and English.
• Manage a portfolio of customers, monitoring payments and driving collection negotiations with the skill of a true dealmaker — efficient, respectful, and always finding a path to resolution.
• Monitor and control accounts receivable, ensuring financial records are accurate, organized, and up to date.
• Use Excel and SQL to analyze data, track key performance indicators, and manage the collections portfolio. Support the automation of operational processes using Python (preferred) to improve efficiency and streamline workflows.
• Investigate and resolve payment discrepancies, providing timely and effective solutions.
• Prioritize competing demands and manage multiple tasks while maintaining a high level of organization and attention to detail.
• Collaborate with cross-functional teams to ensure an excellent customer experience and drive operational efficiency.

Responsibilities

• Own an assigned client wallet, negotiating like a true master dealmaker over phone and messaging and recovering outstanding debts across varied customer profiles — from small business owners to C-Level executives at global companies.
• Take ownership of decisions and proactively align with cross-functional teams to solve collection challenges.
• Prepare daily and weekly reports on recovery rates, DPD trends, and case resolutions.
• Analyze delinquency data to generate actionable insights that improve collection strategies.
• Automate repetitive tasks and use tools like Python and SQL to build scripts that improve process efficiency.
• Identify inefficiencies and implement automated workflows to streamline collections processes.
• Conduct quality audits of external collection agencies, providing feedback to improve recovery rates.
• Track performance against KPIs, including recoveries per OKR/Collections Policy and percentage of automated workflows implemented.

What We Offer

Collaboration and team spirit thrive best in an in-office environment. Our São Paulo office provides a vibrant and engaging workspace where team members can connect, learn, and grow together.

In addition, we offer:

• A culture of learning and experimentation, where curiosity is encouraged.
• Competitive salary package.
• Equity stock options plan.
• Paid holidays.
• Clear growth opportunities within collections and operations.
• Team off-sites focused on collaboration, fun, and shared experiences.