Credit Specialist

Credit Specialist

The Credit Specialist will serve as the go-to technical reference for credit policy design and decisioning across RecargaPay's Loans and CCRP portfolios — an individual contributor role with high strategic impact, translating data, regulatory constraints, and business strategy into policies that run at scale. We're looking for someone who combines sharp analytical thinking with a strong drive to execute: someone who builds the frameworks, tests the hypotheses, and owns outcomes end-to-end, with the autonomy to add value across both products. This is a 100% remote role, working closely with the VP of Credit & Collections, Data Science, Product, and Engineering.

Key Responsibilities

• Design, document, and monitor credit origination and limit policies for Loans and Credit Card — eligibility, limit-setting, pricing rules, cross-product fallback logic, and lifecycle decisions.
• Propose and continuously iterate on credit rules, driving testing cycles from hypothesis through to rollout or kill decision. Analyze A/B tests and policy experiments, generating insights to support data-driven decisions.
• Conduct deep-dive analyses — vintage curves, roll rates, segment performance — with quantified risk/return trade-offs.
• Monitor portfolio indicators and reports, and prepare regulatory submissions for external stakeholders (BCB, rating agencies).
• Collaborate with Product on strategies that reduce friction and increase conversion.
• Partner with Data Science to track and challenge model performance, flagging drift and data quality issues.
• Maintain credit decision framework documentation — policy rationale, change history, and override logic.
• Serve as technical reference in the Credit team: review analyses, challenge assumptions, raise standards.
• Leverage AI tools and automation to enhance analysis and policy simulation.