Business Analyst - Risk & Collections
São Paulo, Remote
Risk – Collections /
Full-time /
Remote
About Zippi
Zippi is on a mission to empower Brazil’s 22 million micro and small businesses (MSBs) with financial solutions that truly fit their needs.
We pioneered the use of PIX as a credit platform, enabling MSBs to access working capital instantly. With a single tap, our customers can pay business expenses while enjoying up to 10 days to repay, ensuring consistent cash flow for their operations.
Since launching three years ago, we’ve achieved profitability and experienced exponential growth. Today, we process over R$3.2 billion in payments annually and are rapidly scaling to become the leading payment solution in Brazil’s R$1.6 trillion MSB market. Much like credit cards transformed consumer spending, Zippi is redefining how MSBs manage cash flow.
Our success is fueled by a highly automated, data-driven approach. We’ve built an advanced technological infrastructure that processes vast amounts of payments and credit data, allowing us to underwrite, disburse, and collect at scale while maintaining strong unit economics. We manage the entire credit cycle in-house, leveraging cutting-edge data science to make real-time decisions with precision.
Backed by top-tier investors like Y Combinator and Tiger Global, we are assembling a world-class tech team to build a future where every small business in Brazil can thrive. If you’re looking for an opportunity to make a real impact in a cause that’s worth fighting for — at one of the fastest-growing startups in emerging markets, tackling a multibillion-dollar opportunity — Zippi is the place to be.
About the Risk & Collection Team
Risk owns the operating system that decides who to approve, at what limit and price, and how to collect—end-to-end and in real time. At Zippi, Risk is a technology-driven function leveraging PIX, Open Finance, and AI to create innovative credit products for MSBs. We combine deep customer insights from transactional and behavioral data with real-time, policy-driven decisioning to offer working capital with limits and repayments aligned to cash flow.
Beyond underwriting, Risk also leads collections by developing AI-powered renegotiation engines and dynamic policies that personalize repayment offers, optimize recoveries, and reduce costs. This integrated approach ensures faster decisions, higher approval rates, early risk detection, and better retention, powering a risk system that evolves with every transaction.
What You’ll Do
- Lead the development of AI-powered renegotiation models – Design, build, and test models and algorithms to optimize collections strategies, maximizing recoveries while maintaining a positive customer experience. Drive experimentation with new policies and approaches to improve loss mitigation and repayment rates.
- Drive data-informed policy design and experimentation – Partner with data & ops teams to develop dynamic renegotiation policies, setting up rigorous A/B tests and champion–challenger frameworks. Monitor, analyze, and iterate on policy performance to maximize returns on loss portfolios.
- Be a key contributor to the Collections technology roadmap – Own the roadmap for AI-driven collections platforms, integrating multiple channels and decision layers. Use causal inference and uplift modeling to personalize communication cadence and incentives, balancing cost-to-collect, compliance, and customer satisfaction.
- Collaborate cross-functionally to turn insights into impact – Work closely with Product and Risk teams to translate data-driven insights into scalable features, enabling rapid experimentation and confident delivery of innovative collections solutions.
What We’re Looking For
- Proven expertise in risk management with strong experimentation skills – You have led high-impact credit or collections risk strategies in ambiguous environments, driving measurable improvements in portfolio quality, loss reduction, and ROI. You’re experienced in designing and executing rigorous A/B tests and champion–challenger experiments to validate policies and optimize outcomes.
- Deep statistical and analytical expertise – You master translating complex data into robust, scalable models and actionable insights, balancing methodological rigor with business agility. Your foundation in risk concepts—delinquency curves, PDD, segmentation, and exposure optimization—is strong and well applied.
- Hands-on builder and problem solver – You don’t just strategize—you roll up your sleeves, build data pipelines, develop models, and iterate on solutions yourself. You combine technical depth with a pragmatic mindset to drive real, measurable impact.
- Effective communicator and trusted partner – You simplify complex risk concepts and experimental results for stakeholders across levels, influencing decisions and fostering cross-functional collaboration.
Why You Should Join Us
- A cause worth fighting for – Our mission is to help micro and small businesses thrive. Your work will directly impact 22 million Brazilian entrepreneurs, unlocking financial access in a massive, underserved market.
- Non-hierarchical, high-caliber team – You’ll be part of a tight-knit, collaborative team, working alongside world-class fintech founders and operators. Expect significant ownership in your work and the autonomy to drive meaningful impact.
- Steep career curve – We’re scaling quickly, and this role will put you in high-impact projects where you’ll gain invaluable experience and seniority in decision-making, strategy, and execution — faster than in most other roles.
- Own and build from day one – As an early team member, you’ll help build a well-funded and profitable Y Combinator-backed startup. This is a once-in-a-lifetime opportunity to join our rocketship and help build the company from the ground up!
- Top-tier compensation – We offer highly competitive pay. You’ll also get a comprehensive benefits package, including healthcare coverage, a dedicated learning budget, meal allowances, wellness apps, and more.
