Senior Analyst, B2B Collections and Recovery

Role Overview

• Strategic Collections Framework: Develop, implement, and optimize preventive and reactive collection workflows specifically for B2B receivables discounting products.
• Asset Recovery and Delinquency Management: Execute high-level recovery strategies to reduce portfolio delinquency, improve roll rates, and maximize recovery of overdue assets to protect the company’s liquidity.
• Collateral and Risk Oversight: Monitor the integrity of credit instruments and identify early indicators of fraud, cancellations, or deviations in payment flows.
• Restructuring of Complex Debt: Lead sophisticated negotiations and formalize acknowledgment-of-debt agreements (Confessions of Debt) with partners, balancing recovery outcomes with relationship management.
• Financial Reporting and KPIs: Manage and report the Provision for Doubtful Accounts (PDD/Bad Debt) and collection performance metrics using SQL and BI tools to deliver actionable insights to executive leadership.
• Live the mission: Inspire and empower others by prioritizing your own and your colleagues’ wellbeing. Create a supportive environment where everyone feels comfortable taking care of themselves and finding a healthy work–life balance.

Requirements

• Previous experience: Proven experience in B2B collections and asset recovery, specifically in receivables discounting (factoring/FIDC) or corporate credit markets.
• Financial expertise: Strong ability to analyze SME financial statements (income statement and cash flow) to assess debt-servicing capacity and solvency.
• Technical knowledge: Proficiency in SQL for portfolio segmentation and experience with BI tools (Tableau, Power BI, or Looker) to manage recovery KPIs.
• Legal and regulatory knowledge: Solid understanding of assignment-of-receivables contracts and guarantee/endorsement structures.
• Strategic mindset: Proactive profile with the ability to identify early warning signs of fraud or liquidity issues before they impact delinquency.
• Personal profile: Hands-on mentality, strong sense of ownership, and builder mindset, with motivation to create processes and structures from scratch.
• Language: Advanced English is required for global reporting and collaboration with international teams on recovery best practices.

Tech Stack

• SQL
• Tableau

Benefits

• WELLHUB: Gold+ plan at no cost, providing access to thousands of gyms and studios, digital fitness programs, and online resources for meditation, nutrition, mental health support, sleep routines, and more. You can add up to 3 family members to your plan so those who matter most also have access to wellbeing benefits.
• WELLZ: A single, comprehensive resource for mental wellbeing. Wellz offers personalized journeys that combine weekly cognitive-behavioral therapy sessions (52 per year) with on-demand content.
• HEALTH & CARE: Health plan, dental plan, and life insurance.
• FLEXIBLE WORK: With a work model that prioritizes flexibility, we offer hybrid and remote roles so you have the freedom to work the way that suits you best. The working model for this specific role can be discussed with the recruiter and leadership. When you join WELLHUB, you can also use our home-office reimbursement to set up your home workspace.
• FLEXIBLE SCHEDULE: Flexibility isn’t just about where we work — it also includes shaping how and when we work. In partnership with your leaders, people set their schedules to align with different time zones, team needs, and personal routines.
• PAID TIME OFF: Disconnecting and recharging is important. We offer vacation after 6 months of employment + 3 days off per year + 1 companywide day off per year (up to a total of 5 days) + 1 day off in your birthday month.
• PAID PARENTAL LEAVE: Welcoming a new family member is one of life’s most special moments. We want every employee to be truly present and enjoy that time with family. We therefore offer 100% paid parental leave to all new parents. Birthing parents are also entitled to extended leave (Empresa Cidadã) and a ramp‑back period during which they may work part-time while adjusting to the new routine.
• PROFESSIONAL DEVELOPMENT: Access global learning platforms, participate in interactive sessions, build a personalized development map, and explore internal opportunities. We focus on continuous learning and feedback to support your journey toward success — both personal and professional.
• CULTURE: Join a dedicated team that comes together to push boundaries, support one another, and create lasting impact on corporate wellbeing. We win together, cultivating trust through transparent communication and a culture where every perspective matters.