Senior B2B Collections & Recovery Analyst

Role Overview

• Strategic Collections Framework: Design, implement, and optimize preventive and reactive collection journeys specifically for B2B Receivables Discounting products.
• Asset Recovery & Aging Management: Execute high-level recovery strategies to reduce portfolio Aging, improve Roll Rates, and maximize the recovery of overdue assets to protect company liquidity.
• Collateral & Risk Oversight: Monitor the integrity of credit instruments and identify early warning signs of fraud, cancellations, or payment flow diversions.
• Complex Debt Restructuring: Lead sophisticated negotiations and formalize debt acknowledgment agreements (Confissões de Dívida) with partners, balancing recovery with relationship management.
• Financial Reporting & KPIs: Manage and report on Allowance for Doubtful Accounts (PDD/Bad Debt) and collection performance metrics using SQL and BI tools to provide actionable insights for executive leadership
• Live the mission: inspire and empower others by genuinely caring for your own wellbeing and your colleagues. Bring wellbeing to the forefront of work, and create a supportive environment where everyone feels comfortable taking care of themselves, taking time off, and finding work-life wellness.

Requirements

• Previous Experience: Proven experience in B2B Collections and Asset Recovery, specifically within Receivables Discounting (Factoring/FIDC) or corporate credit markets.
• Financial Expertise: Strong ability to analyze SMEs financial statements (P&L and Cash Flow) to assess debt repayment capacity and creditworthiness.
• Technical Stack: Proficiency in SQL for portfolio segmentation and experience with BI tools (Tableau, Power BI, or Looker) to manage recovery KPIs.
• Legal & Regulatory Knowledge: Solid understanding of credit assignment contracts), and collateral/guarantee structures.
• Strategic Mindset: Proactive profile with the capability to identify "early warning" signs of fraud or liquidity issues before they impact Bad Debt (PDD).
• Personal Profile: Hands-on mindset, strong sense of ownership, and a "builder" mentality with the drive to create processes and structures from the ground up.
• Languages: Advanced English is required for global reporting and collaborating with international teams on recovery best practices.

Tech Stack

• SQL
• Tableau

Benefits

• WELLHUB: Free Gold+ membership with access to onsite gyms and studios, digital fitness programs, and online wellness resources for meditation, nutrition, mental wellbeing support, and more! Add up to three family members to your plan, ensuring access to wellness for those who matter most to you.
• WELLZ: A complete emotional wellbeing program with a unique approach. It offers personalized journeys that combine individual therapy sessions (52 per year) and on-demand content.
• HEALTHCARE: Health, dental, and life insurance.
• FLEXIBLE WORK: As a Flexible First company, we offer hybrid and remote options to give you the freedom to work in a way that suits you. The model for this specific role can be discussed with your recruiter and hiring manager. When you join, use our home office reimbursement to set up your home office.
• FLEXIBLE SCHEDULE: Flexibility for us isn’t just about where we work—it also means being able to shape how and when we get things done. Together with their leaders, employees define schedules that align with their time zones, team needs, and personal routines.
• PAID TIME OFF: It’s important to take time away from work to recharge. Employees receive vacations after 6 months and additional 3 days off per year + 1 day off for each year of tenure (up to 5 additional days) + an extra holiday for your birthday!
• PAID PARENTAL LEAVE: Welcoming a new child is one of the most special moments in your life. Take the time to be present and enjoy your growing family. We offer 100% paid parental leave to all new parents. Parents giving birth are eligible for an extended leave and a ramp-back period to return part-time while they get settled.
• CAREER GROWTH: Access world-class platforms, participate in interactive sessions, build your personalized development roadmap, and explore internal opportunities. We focus on continuous learning and feedback to support your journey toward personal and professional success.
• CULTURE: You’ll join a team of passionate people who come together to break boundaries, support each other, and create a meaningful impact in workplace wellness. We win together, building trust through open communication and a culture where every perspective matters.