B2B Credit Policy Senior Analyst at Wellhub

São Paulo, São Paulo, Brazil -

Full Time

Start Date

Immediate

Expiry Date

29 Jun, 26

Salary

0.0

Posted On

31 Mar, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

B2B Credit Risk, Credit Policy Development, Limit Management, Risk-Based Pricing, SQL, Data Visualization, Tableau, Power BI, Looker, Python, R, Credit Engines, Credit Scoring Models, Financial Statement Analysis, SME Analysis, English

Industry

Wellness and Fitness Services

Description

Your wellbeing, our mission. Join a company shaping a healthier world. GET TO KNOW US At Wellhub we're revolutionizing workplace wellness. Our platform connects employees worldwide to the best partners for fitness, mindfulness, therapy, nutrition, and sleep—all in one simple subscription. Headquartered in NYC with team members in Europe, North America and South America, we’re on a mission to make every company a wellness company. We believe work should be fulfilling, inspiring, and balanced. Here, you’ll find a team that values wellbeing, collaboration, and different perspectives, where passion and creativity push boundaries to create real impact. Your contributions will help shape a healthier, more balanced world for you and millions of people globally. Join us in redefining the future of wellbeing! THE OPPORTUNITY We are hiring a B2B Credit Policy Senior Analyst to our Financial Solutions New Venturez team in São Paulo, Brazil! As a B2B Credit Policy Specialist, you will be a key architect of our financial ecosystem. This isn't a traditional "back-office" credit role — it is a strategic, highly analytical position focused on automation and scalability. You will be responsible for designing and optimizing credit engines, leveraging advanced data analytics to automate decision-making for our SME (Small and Medium Enterprise) segment, and collaborating across functions to refine our Risk-Based Pricing. If you thrive in a fast-paced environment where your policies directly impact the company’s bottom line and global footprint, this is your next challenge. YOUR IMPACT Strategy Development: Design, implement, and review policies for granting, maintaining, and expanding B2B credit limits. Portfolio Risk Management: Monitor key performance indicators (KPIs) such as delinquency (Overdue), Bad Debt, and payment behavior across the active portfolio. Pricing and Strategy: Conduct studies to define pricing, calibrating commercial conditions based on risk levels (Risk-Based Pricing) to ensure balance between competitiveness and contribution margin. Score Modeling: Collaborate with the Data team to create Credit Scoring and Behavior Scoring models specific to Wellhub’s business model. Strategic Interface: Act as an internal consultant for Sales and Customer Success teams, balancing portfolio growth with financial health. Live the mission: inspire and empower others by genuinely caring for your own wellbeing and your colleagues. Bring wellbeing to the forefront of work, and create a supportive environment where everyone feels comfortable taking care of themselves, taking time off, and finding work-life wellness. WHO YOU ARE Bachelor’s degree in Engineering, Economics, Statistics, Business Administration, or related quantitative fields. Proven track record in B2B Credit Risk, specifically in developing credit policies, limit management, and risk-based pricing. Advanced SQL for data extraction and proficiency in data visualization tools (Tableau, Power BI, or Looker). Knowledge of Python or R is a strong plus. Credit Engines & Automation: Hands-on experience in building or calibrating automated decision engines and credit scoring models (Application & Behavior). Financial Analysis: Deep understanding of corporate financial statements (P&L, Cash Flow), especially for the SME (PME) segment and SaaS/Recurring revenue models. Market Knowledge: Familiarity with credit bureaus (Serasa, Boa Vista, Quod) and the Brazilian financial regulatory landscape. Capabilities & Mindset: Strong analytical thinking with the ability to translate complex data into business strategies. A "hands-on" approach to problem-solving in fast-paced environments. Languages: Advanced English is required for global collaboration, as you will interact with international teams to share best practices and align strategies. We recognize that individuals approach job applications differently. We strongly encourage all aspiring applicants to go for it, even if they don't match the job description 100%. We welcome your application and will be delighted to explore if you could be a great fit for our team. For this specific role, please note that prior experience in record in B2B Credit Risk (developing credit policies), and advanced SQL and score modeling knowledge are mandatory requirements. WHAT WE OFFER YOU With thoughtful benefits, emotional wellbeing resources, and a culture that empowers you to take ownership of your role and your wellbeing, we create an environment where you can thrive in all dimensions of your life. Our flexible benefits program allows you to customize some of the benefits, according to your needs! Our benefits include: WELLHUB: Free Gold+ membership with access to onsite gyms and studios, digital fitness programs, and online wellness resources for meditation, nutrition, mental wellbeing support, and more! Add up to three family members to your plan, ensuring access to wellness for those who matter most to you. WELLZ: A complete emotional wellbeing program with a unique approach. It offers personalized journeys that combine individual therapy sessions (52 per year) and on-demand content. HEALTHCARE: Health, dental, and life insurance. FLEXIBLE WORK: As a Flexible First company, we offer hybrid and remote options to give you the freedom to work in a way that suits you. The model for this specific role can be discussed with your recruiter and hiring manager. When you join, use our home office reimbursement to set up your home office. FLEXIBLE SCHEDULE: Flexibility for us isn’t just about where we work—it also means being able to shape how and when we get things done. Together with their leaders, employees define schedules that align with their time zones, team needs, and personal routines. PAID TIME OFF: It’s important to take time away from work to recharge.Employees receive vacations after 6 months and additional 3 days off per year + 1 day off for each year of tenure (up to 5 additional days) + an extra holiday for your birthday! PAID PARENTAL LEAVE: Welcoming a new child is one of the most special moments in your life. Take the time to be present and enjoy your growing family. We offer 100% paid parental leave to all new parents. Parents giving birth are eligible for an extended leave and a ramp-back period to return part-time while they get settled. CAREER GROWTH: Access world-class platforms, participate in interactive sessions, build your personalized development roadmap, and explore internal opportunities. We focus on continuous learning and feedback to support your journey toward personal and professional success. CULTURE: You’ll join a team of passionate people who come together to break boundaries, support each other, and create a meaningful impact in workplace wellness. We win together, building trust through open communication and a culture where every perspective matters. Learn more about our shared culture and values here. And to get a glimpse of life at Wellhub… Follow us on Instagram @lifeatwellhub and LinkedIn! Diversity, Equity, and Belonging at Wellhub We aim to create a collaborative, supportive, and inclusive space where everyone knows they belong. Wellhub is committed to creating a diverse work environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, gender identity or expression, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other basis covered by appropriate law. Our commitment to inclusion also extends to how we recognize and reward our people. We’re proud to be Syndio Fair Pay Certified, reflecting our ongoing dedication to equitable and fair pay practices across our global team. Read more about it here. Questions on how we treat your personal data? See our Aviso de Privacidade para Candidatos.

Responsibilities

This role involves designing and optimizing credit engines, leveraging advanced data analytics to automate decision-making for the SME segment, and collaborating cross-functionally to refine Risk-Based Pricing strategies. Key duties include developing and reviewing B2B credit limit policies and monitoring portfolio risk KPIs like delinquency and bad debt.