Sr Product Analyst (Lending)

Job Description

Come and impact millions of Brazilians!!

Want to make a difference in the lives of millions of Brazilians? At RecargaPay, we create accessible and innovative financial solutions that transform the way people interact with money. Be part of this impactful and innovative journey, connecting people with opportunities that truly make a difference in their daily lives.

Our purpose is to deliver the best mobile payment experience for Brazilians, addressing real-world challenges with smart solutions like Pix Parcelado, while staying attentive to market trends and our customers' needs. Here, we value collaboration, ownership, and a relentless pursuit of results, delivering excellence in every interaction.

If you’re looking to join a dynamic environment that challenges the status quo and puts people at the center of decision-making, RecargaPay is the perfect place for you to grow, co-create, and make a difference!

Responsibilities

The expectation of  the Sr. Product Analyst is to play a critical role in driving informed decision-making,  optimizing loan offerings, and enhancing risk management strategies within the company’s lending portfolio. With the customer in mind as a first priority,  the product analyst will dive into the data to increase conversion, retention, optimize user experience while accounting for  profitability. 

• Portfolio Analysis: Analyze the lending portfolio to assess performance, identify trends, and uncover opportunities for improvement.
• Data-Driven Insights: Leverage data analytics to inform strategies for optimizing loan offerings, pricing, and risk management.
• Skillful at communication & data presentation: ability to create and deliver impactful presentations that effectively communicate clear results and persuade the audience to embrace proposed strategies.
• Making things happen: Extensive experience as a product management analyst with a proven track record of implementing clear actions that effectively drive changes in KPIs.
• Market Research: Conduct research on industry trends and competitor offerings to help shape our lending strategy and identify new opportunities.
• Collaboration: Partner with cross-functional teams, including credit risk team, marketing, and operations, to implement initiatives that improve the lending portfolio.
• Loan Product Optimization: Evaluate existing loan products based on performance data and customer feedback. Analyze factors such as loan terms, interest rates, and features to determine which products are most effective and identify opportunities for new offerings.
• Pricing Strategies: Conduct price sensitivity analyses to understand how changes in interest rates and fees impact demand and profitability. 
• Focus on growth: identify and implement growth strategies considering life time value. 

Requirements

• Engineering, Economics, Business, Statistics or Mathematics are preferred fields;
• Experience in credit is a plus;
• Experience with credit policies, BI tools, data analysis with SQL and Amplitude, and A/B testing is essential;
• The candidate must have effective communication skills, a detailed and customer-centric approach, and be able to work independently and collaborate with the team.

Benefits

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
• Spanish or Portuguese classes.

Diversity & Inclusion at RecargaPay
At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the use of your Data
By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).