БразилияUnderwriter, Brazil
1 нед. назад
БразилияHybrid
Responsible for making thoughtful credit decisions and monitoring corporate card accounts in Brazil.
О компании
- is a groundbreaking financial operating system built for global businesses that provides corporate cards, cross-border payments, and spend management software within one unified platform. The company operates across 20+ countries including Brazil, Canada, Colombia, Mexico, the United Kingdom, across Europe, and the United States, and serves over 5,000 clients ranging from venture-backed startups to SMBs around the world. With a mission to empower businesses with more efficient and cost-effective financial solutions worldwide, combines cutting-edge financial technology with exceptional team expertise to transform the business financial landscape. has been recognized as one of The Information's 50 Most Promising Startups in 2023, as well as a Y Combinator Top Company 2021-2023 and won “Fintech of the Year" at the European Fintech Awards. Since graduating from Y Combinator in 2020, has successfully raised over $380 million and is backed by top world-class investors including Andreessen Horowitz, Y Combinator, CRV, Tencent, Stanford University, Clocktower Ventures, and founders of more than 15 unicorns including David Velez (Nubank), Carlos Garcia (Kavak) and Sebastián Mejía (Rappi). Brazil is one of 's fastest-growing markets, and the number of companies applying for our corporate cards there keeps climbing. Every one of those applications needs a thoughtful credit decision, and every approved account needs to be watched over time. Today that wo
Обязанности
- Analyze new corporate card applications from Brazilian startups and SMBs, reviewing financial statements (DRE, balanço), bank data, bureau reports and our internal model score
- Prepare clear credit recommendations — proposed limit, key risks, mitigants — for review and approval
- Explain how the model score and the non-model parts of your assessment fit together, in writing and verbally
- Research borrowers and their industries to understand what could affect their ability to pay
- Work a share of the daily application queue within agreed turnaround times
- Run periodic reviews of existing accounts, including limit increase and decrease requests
- Track portfolio health (utilization, payment behavior, delinquency) and flag accounts that need attention
- Partner with Collections on accounts showing early signs of stress
- Keep account files and credit memos organized so any teammate can pick up a decision
- Use AI tools to support your analysis, and verify their outputs against source data
- Suggest and help build improvements to our AI workflows as you see what works and what doesn't
- Build enough context on the Brazil book to cover the queue and key accounts when our senior underwriter is out
- Help document underwriting guidelines, decision rationale and recurring edge cases
- Suggest improvements that make the underwriting process faster or more consistent
- Help evaluate new Brazilian data sources (bureaus, Open Finance data, receivables data) alongside the team
- Give Sales and Account Management clear, timely answers on applications and limits — including the reasoning behind a "no"
- Join customer conversations when more financial information is needed to make a decision
- Share what you see in the Brazil market with the wider Credit & Risk team
Требования
- 2–4 years of experience in credit analysis, underwriting or credit risk in Brazil — at a bank, fintech, FIDC, credit bureau, factoring company or similar
- Hands-on experience reading and analyzing Brazilian company financial statements and building a view on repayment capacity
- Working familiarity with Brazilian credit data sources such as Serasa, Boa Vista, SCR (Banco Central) or similar
- Experience conducting conversations with clients to clarify questions regarding the financial and risk information provided for analysis.
- Strong Excel or Google Sheets skills — comfortable building a simple analysis from raw data
- Experience using AI tools such as Claude, ChatGPT or Gemini in your analytical work, and curiosity about using them more
- Can write a concise credit recommendation that a non-credit colleague can follow
- Fluent in Portuguese and professionally fluent in English (written and spoken) — English is how we work across regions
- Based in São Paulo and able to work hybrid from our Av. Pres. Juscelino Kubitschek office
Будет плюсом
- Experience underwriting SMB or commercial credit (as opposed to consumer only)
- Exposure to corporate cards, payments, working capital or other revolving credit products
- Some experience with SQL, Python or BI tools for pulling and analyzing portfolio data
- Experience at a high-growth startup or fintech
- Degree in Finance, Economics, Accounting, Business, Engineering or a related field