Credit Risk Specialist

Motive Partners; São Paulo; Presencial; BRL 250 000 - 450 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Equity stock options plan

Paid holidays

Bi-annual off-site

Resumo da oferta

Credix, part of the Motive Partners ecosystem, seeks a Senior Portfolio Manager to own end-to-end portfolio performance and Cost of Risk outcomes. The role reports to the Head of Risk and works across GTM, Treasury, and Collections.

You will steer portfolio mix, provisioning, and pricing frameworks to enable disciplined growth while protecting downside risk. Strong collaboration with risk and collections is essential.

Qualificações

• 5+ years in credit risk, portfolio management, or structured lending.
• Advanced SQL required; Python strongly preferred.
• Proven ownership of Cost of Risk (CoR) and portfolio performance.
• Strong understanding of credit cycles, concentration risk, and sector deterioration.
• Hands-on experience with provisioning models (e.g., IFRS9) and expected loss methodologies.
• Experience building risk-adjusted pricing frameworks.
• Strong commercial judgment — able to enable growth while protecting downside risk.
• Experience working closely with collections or recovery teams.
• Clear communicator, able to translate portfolio insights into business steering decisions.
• Experience with structured vehicles (e.g., FIDC) preferred.

Responsabilidades

• Own portfolio steering across channels, sectors, ratings, and accounts.
• Monitor large exposures and concentration risk.
• Steer origination mix to balance growth and profitability.
• Deliver Cost of Risk in line or better than budget.
• Own and improve provisioning logic and expected loss methodologies.
• Reduce variance between expected and realised losses.

Descrição da oferta de emprego

Explore opportunities across the Motive Partners ecosystem

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.

Learn more about our team, culture, and vision on our company page.

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 where you have the opportunity to learn, grow, and take on meaningful responsibilities.

About the job

We are looking for a Senior Portfolio Manager to take end-to-end ownership of portfolio performance and Cost of Risk outcomes. This position reports directly to the Head of Risk.

You will steer portfolio mix and concentration risk, continuously improve provisioning and loss forecasting accuracy, and design risk-adjusted pricing frameworks that enable disciplined but ambitious GTM growth. This is a senior individual contributor role with direct commercial impact and close collaboration across GTM, Treasury, and Collections.

Qualifications

• 5+ years of experience in credit risk, portfolio management, or structured lending
• Advanced SQL required; Python strongly preferred
• Proven ownership of Cost of Risk (CoR) and portfolio performance
• Strong understanding of credit cycles, concentration risk, and sector deterioration
• Hands-on experience with provisioning models (e.g., IFRS9) and expected loss methodologies
• Experience building risk-adjusted pricing frameworks
• Strong commercial judgment — able to enable growth while protecting downside risk
• Experience working closely with collections or recovery teams
• Clear communicator, able to translate portfolio insights into business steering decisions
• Experience with structured vehicles (e.g., FIDC) preferred

Responsibilities

• Own portfolio steering across channels, sectors, ratings, and accounts
• Monitor large exposures and concentration risk
• Steer origination mix to balance growth and profitability
• Deliver Cost of Risk in line or better than budget
• Own and improve provisioning logic and expected loss methodologies
• Reduce variance between expected and realised losses

What we Offer

• Work closely with Collections to incorporate recovery insights into forecasting assumptions
• Own risk-adjusted pricing logic for new and existing proposals
• Partner with GTM to structure commercially competitive yet disciplined offers
• Build scalable pricing and steering tooling to support faster decision-making
• Align portfolio strategy with treasury constraints and capital efficiency

We believe that collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow together. With access to our offices in Sao Paulo or Antwerp, you'll immerse yourself in a culture of innovation and collaboration.

But that's just the beginning - here's what else we offer:

• A culture of learning and experimentation: where you are encouraged to explore new ideas and technologies
• Competitive salary package: Your hard work deserves recognition, and we ensure you're well-rewarded for your contributions.
• Equity stock options plan: Be a part of our journey towards success and share in the rewards.
• Paid holidays: Enjoy the flexibility to recharge and rejuvenate
• Bi-annual off-site: Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.

Timeline

We expect to reply to you within ~1 week of you submitting the application form if we are interested in setting up a call.

While we're reviewing every application carefully, we may not be able to respond to everyone personally. Rest assured that it's not because we don't value your interest - it's simply a result of our team being stretched thin as we work hard to bring our vision to life.