About Credix

Credix is a FinTech company dedicated to growing businesses in Latin America. Building on our expertise, we now focus on providing a tailored Buy Now, Pay Later (BNPL) solution for B2B transactions in Brazil with our platform, CrediPay. CrediPay is created to help business grow their sales and improve their cashflow efficiency through seamless and risk-free credit offering. Sellers offer their buyers flexible payment terms at an attractive price point and receive upfront payments. We manage and protect our clients from any credit & fraud risk, letting them focus only on what matters: increased sales and profitability.

Learn more about our team, culture, and vision on our company page.

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 where you have the opportunity to 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

What we Offer

• 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