B2B Credit Policy Specialist

At Wellhub we're revolutionizing workplace wellness. Our platform connects employees worldwide to the best partners for fitness, mindfulness, therapy, nutrition, and sleep—all in one simple subscription. Headquartered in NYC with team members in Europe, North America and South America, we’re on a mission to make every company a wellness company.

We believe work should be fulfilling, inspiring, and balanced. Here, you’ll find a team that values wellbeing, collaboration, and different perspectives, where passion and creativity push boundaries to create real impact. Your contributions will help shape a healthier, more balanced world for you and millions of people globally. 

We are hiring a B2B Credit Policy Specialist to our Financial Solutions New Ventures team in São Paulo, Brazil!

As a B2B Credit Policy Specialist, you will be a key architect of our financial ecosystem. This isn't a traditional "back-office" credit role — it is a strategic, highly analytical position focused on automation and scalability. You will be responsible for designing and optimizing credit engines, leveraging advanced data analytics to automate decision-making for our SME (Small and Medium Enterprise) segment, and collaborating across functions to refine our Risk-Based Pricing. If you thrive in a fast-paced environment where your policies directly impact the company’s bottom line and global footprint, this is your next challenge.

• Strategy Development: Design, implement, and review policies for granting, maintaining, and expanding B2B credit limits.
• Portfolio Risk Management: Monitor key performance indicators (KPIs) such as delinquency (Overdue), Bad Debt, and payment behavior across the active portfolio.
• Pricing and Strategy: Conduct studies to define pricing, calibrating commercial conditions based on risk levels (Risk-Based Pricing) to ensure balance between competitiveness and contribution margin.
• Score Modeling: Collaborate with the Data team to create Credit Scoring and Behavior Scoring models specific to Wellhub’s business model.
• Strategic Interface: Act as an internal consultant for Sales and Customer Success teams, balancing portfolio growth with financial health.
• 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.

• Bachelor’s degree in Engineering, Economics, Statistics, Business Administration, or related quantitative fields.
• Proven track record in B2B Credit Risk, specifically in developing credit policies, limit management, and risk-based pricing.
• Advanced SQL for data extraction and proficiency in data visualization tools (Tableau, Power BI, or Looker). Knowledge of Python or R is a strong plus.
• Credit Engines & Automation: Hands-on experience in building or calibrating automated decision engines and credit scoring models (Application & Behavior).
• Financial Analysis: Deep understanding of corporate financial statements (P&L, Cash Flow), especially for the SME (PME) segment and SaaS/Recurring revenue models.
• Market Knowledge: Familiarity with credit bureaus (Serasa, Boa Vista, Quod) and the Brazilian financial regulatory landscape.
• Capabilities & Mindset: Strong analytical thinking with the ability to translate complex data into business strategies. A "hands-on" approach to problem-solving in fast-paced environments.
• Languages: Advanced English is required for global collaboration, as you will interact with international teams to share best practices and align strategies.

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 record in B2B Credit Risk (developing credit policies), and advanced SQL and score modeling knowledge 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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