Analista Sênior de Cobrança e Recuperação B2B

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We are hiring a B2B Collections & Recovery Sr Analyst to our Financial Solutions New Ventures team in São Paulo, Brazil!

As a B2B Collections & Recovery Specialist, you will transition from a traditional collector to a Strategic Asset Recovery Architect. You will be responsible for managing the entire lifecycle of overdue receivables, from designing automated preventive frameworks to leading high-stakes negotiations with SME partners. This role requires a unique blend of financial acumen, legal understanding of credit instruments (such as Commercial Notes and Factoring), and a data-driven mindset to optimize recovery rates. If you are passionate about protecting a company’s bottom line while navigating the fast-paced world of Fintech, this is your place.

• 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.

• 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.

We recognize that individuals approach job applications differently. We strongly encourage all aspiring applicants to go for it, even if they don't match the job description 100%. We welcome your application and will be delighted to explore if you could be a great fit for our team. For this specific role, please note that prior experience in B2B Collections and asset recovery, and advanced knowledge in SQL and BI tools are mandatory requirements.

We aim to create a collaborative, supportive, and inclusive space where everyone knows they belong. 

Wellhub is committed to creating a diverse work environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, gender identity or expression, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other basis covered by appropriate law.

Our commitment to inclusion also extends to how we recognize and reward our people. We’re proud to be Syndio Fair Pay Certified, reflecting our ongoing dedication to equitable and fair pay practices across our global team. Read more about it here.

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