What you'll do Design, implement, and optimize credit strategies that directly impact growth, risk and customer experience. Own credit strategy design: define and evolve underwriting policies, approval criteria and limit‑setting frameworks. Translate data into decisions: leverage analytics and model outputs to drive actionable credit rules. Balance approval rates, revenue and loss rates through continuous strategy iteration to optimize portfolio performance. Design and refine decision frameworks for acquisition, line increases and ongoing exposure management. Monitor key metrics (approval rate, NPLs, utilization, vintage curves) and adjust strategies accordingly. Run A/B tests and controlled rollouts to improve credit outcomes. Identify bottlenecks and inefficiencies in underwriting and decisioning workflows using automation tools. Collaborate cross‑functionally with Product, Data and Growth teams to align credit strategy with business goals. Who you are Looking for someone who meets the minimum requirements to be considered for the role. Must haves 3+ years of experience in credit risk, strategy or analytics within financial services or fintech. Strong understanding of credit risk fundamentals (underwriting, exposure, loss drivers, portfolio dynamics). Proven experience in credit policy design and implementation. Advanced SQL skills and strong data intuition. Experience working with large datasets and analytical tools such as Databricks. Working proficiency in English and Portuguese. Experience or interest in AI tools to automate workflows. Adaptability to fast‑changing environments and excellent verbal and written communication. Nice to haves Experience in B2B lending, corporate cards or fintech environments. Exposure to Latin American markets and their specific data limitations. Familiarity with decision engines or rule‑based systems. Independent analytical skills using Python. A good sense of humor. What we offer Competitive salary and stock options (ESOP) from day one. Multicultural team with daily exposure to Portuguese, Spanish and English. Annual learning budget and internal accelerated development paths. High‑ownership environment: move fast, learn fast and raise the bar together. Smart, ambitious teammates – low ego, high impact. Flexible vacation and a hybrid work model focused on results. If you're ready for growth, ownership and impact, help us redefine B2B finance in Latin America. #J-18808-Ljbffr