Collections Intelligence Analyst
Credix
IT
Posted on Jul 23, 2025
Collections Intelligence 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 where you have the opportunity to learn, grow, and take on meaningful responsibilities.
About the job
Credix is seeking a Collections Intelligence Analyst to join our Risk team. You will be at the forefront of understanding and shaping repayment behaviors in Brazil’s B2B Buy Now Pay Later ecosystem. Think of this role as equal parts strategist, experimenter, and operator. You’ll dissect roll rates, evaluate the effectiveness of Bruno—our AI-powered collections agent—and design experiments that directly impact recovery rates and user experience. Your work will blend rigorous data analytics, creative problem-solving, and close collaboration with Product, Engineering, and Operations. Whether you’re assessing the ROI of pursuing late receivables, improving contact data quality, or designing propensity models for collections success, your insights will power the next generation of Credix’s risk and repayment strategies. This is an opportunity for an analytical professional eager to move beyond dashboards to operational impact. You’ll build the models, drive the experiments, and see your ideas deployed at scale.
Qualifications
Analyze portfolio performance: Monitor delinquency trends, roll rates, and repayment behaviours to uncover actionable insights and opportunities for optimisation.
Evaluate and enhance AI collections performance: Measure and improve the effectiveness of our AI collections agent, Bruno, through rigorous KPI tracking and experiment design.
Design and run experiments: Develop A/B tests and pilots to assess collections strategies, channel effectiveness (SMS, WhatsApp, calls), and messaging impact.
Develop and refine models: Build and deploy predictive models that estimate repayment propensity and prioritise collections efforts.
Enable operational leverage: Equip our collections team with better tools, data flows, and reporting to increase productivity and consistency.
Assess effort vs. yield: Evaluate the economic rationale for pursuing overdue accounts, recommending where to allocate or withdraw resources.
Collaborate cross-functionally: Work with Product, Engineering, and Operations to integrate your insights into workflows, automations, and customer journeys.
Core Responsibilities
Financial Control & Reporting: Maintain accurate financial statements, track costs, and provide periodic reports.
Cost & Expense Management: Track operational costs and identify efficiency gains.
Budgeting & Forecasting: Assist in financial planning, variance analysis, and forecast alignment.
Compliance & Controls: Ensure internal controls and tax/regulatory adherence.
Process Automation: Collaborate with Finance/Engineering to automate financial workflows.
Audit & Risk: Support internal/external audits and risk management efforts.
Cross-Functional Collaboration: Partner with Capital Markets and Operations to drive financial strategy.
KPI Tracking & Dashboards: Develop dashboards for key metrics (cost-to-revenue, cash burn, etc.).
What we offer
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.
How to apply
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.