Collections Associate

The Company

• Multinational Financial Institution, at São Paulo/SP.

Job description

• Operate and continuously refine the weekly/monthly collections ladder;
• Define the content, channel, sequence, and frequency of every touchpoint - WhatsApp, SMS, e-mail, phone, in-person visit, and formal notice - including scripts and decision trees;
• Personally handle delinquent-client cases in the launch phase - contact, promise-to-pay management, renegotiation, amicable settlement;
• Issue and follow up Pix and charges for installments in arrears;
• Run hard-collection cases end to end: final amicable approach, activation of continuous telematics monitoring, geofence alerts and remote immobilization;
• Initiate and track enforcement of the fiduciary lien and file credit-life insurance claims directly as policy beneficiary for eligible events;
• Act as the collections subject-matter expert for the AI agents built with the Technology team: document the playbook, message library, and escalation rules;
• Design and run champion/challenger tests on message content, channel, timing, and offers;
• Track collections KPIs by weekly/monthly cohort;
• Modelo: Hybrid.

Requirement Profile - Knowledge, Skills & Experiences

• Native or bilingual proficiency in Portuguese and professional English;
• Bachelor's degree in Business Administration, Economics, Law, Engineering, or a related field;
• Direct experience with vehicle hard collections anda familiarity with CCBs, vehicle liens (gravame);
• Experience in collections and credit recovery, including in secured consumer lending;
• Proven track record negotiating with delinquent borrowers;
• Experience operating digital collections ladders (WhatsApp, SMS, e-mail, Pix, boleto) with short-cycle delinquency buckets;
• Working knowledge of Brazilian consumer-credit and collections rules.