job specification

About Credix

Credix is a FinTech company dedicated to growing businesses in Latin America.

We originate more than R$700M per year in B2B credit to Brazilian SMEs through CrediPay , our embedded finance platform. We operate in a segment where traditional financial infrastructure is limited, building proprietary credit intelligence and risk frameworks that do not yet exist in this market.

By combining structured capital markets solutions with real-time credit decisioning, we enable marketplaces and suppliers to offer seamless payment terms to their buyers, while we manage risk, pricing, and capital efficiency behind the scenes.

We are not a traditional lender. We are building the risk engine that powers scalable B2B commerce in Brazil.

Why choose Credix?

• Become part of a forward-thinking start-up where boldness and a commitment to excellence are paramount, and your personal and professional development is at the forefront.
• Work alongside a dedicated team of bright individuals driven by an Olympian mindset to excel in every aspect of our operations. Together, we aim to build with velocity, utilizing innovative embedded finance strategies to expand business operations in Latin America.
• Experience a close and supportive work atmosphere where collaboration thrives, wise judgment guides our decisions, and you can learn, grow, and take on meaningful responsibilities.

About the job

We are looking for a Senior Portfolio Manager to take end-to-end ownership of portfolio performance and Cost of Risk outcomes. This position reports directly to the Head of Risk.

You will steer portfolio mix and concentration risk, continuously improve provisioning and loss forecasting accuracy, and design risk-adjusted pricing frameworks that enable disciplined but ambitious GTM growth. This is a senior individual contributor role with direct commercial impact and close collaboration across GTM, Treasury, and Collections.

Qualifications

• 5+ years of experience in credit risk, portfolio management, or structured lending
• Advanced SQL required; Python strongly preferred
• Proven ownership of Cost of Risk (CoR) and portfolio performance
• Strong understanding of credit cycles, concentration risk, and sector deterioration
• Hands-on experience with provisioning models (e.g., IFRS9) and expected loss methodologies
• Experience building risk-adjusted pricing frameworks
• Strong commercial judgment — able to enable growth while protecting downside risk
• Experience working closely with collections or recovery teams
• Clear communicator, able to translate portfolio insights into business steering decisions
• Experience with structured vehicles (e.g., FIDC) preferred

Responsibilities

• Own portfolio steering across channels, sectors, ratings, and accounts
• Monitor large exposures and concentration risk
• Steer origination mix to balance growth and profitability
• Deliver Cost of Risk in line or better than budget
• Own and improve provisioning logic and expected loss methodologies
• Reduce variance between expected and realised losses
• Work closely with Collections to incorporate recovery insights into forecasting assumptions
• Own risk-adjusted pricing logic for new and existing proposals
• Partner with GTM to structure commercially competitive yet disciplined offers
• Build scalable pricing and steering tooling to support faster decision-making
• Align portfolio strategy with treasury constraints and capital efficiency

What we offer

Collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow. With access to our offices in Sao Paulo, you’ll immerse yourself in a culture of innovation and collaboration.

But that’s just the beginning - here’s what else we offer:

• A culture of learning and experimentation: where you are encouraged to explore new ideas and technologies
• Competitive salary package: Your hard work deserves recognition, and we ensure you’re well-rewarded for your contributions.
• Equity stock options plan: Be a part of our journey towards success and share in the rewards.
• Paid holidays: Enjoy the flexibility to recharge and rejuvenate
• off-sites: Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.