Analista de Estratégia de Cobrança liderando iniciativas na Realize CFI. Atuando em políticas e estratégias de cobrança que impactam os resultados da empresa.
Responsibilities
Support the development, validation and implementation of collections strategies, such as segmentation and recovery policies.
Identify opportunities to improve collections outcomes through data analysis.
Evaluate the performance of collection actions, discount policies and debt negotiations to propose new strategies.
Drive strategic guidelines focused on efficiency, sustainability and portfolio competitiveness.
Conduct analyses integrating quantitative, macroeconomic, regulatory and risk aspects, anticipating trends and impacts.
Lead strategic projects, ensuring planning, execution and control of the study implementation.
Assess the impact of strategies using indicators such as delinquency, discounts, recovery rate, financial return and other KPIs.
Prepare executive reports and strategic recommendations to support leadership decisions.
Represent the area technically in internal forums and committees, presenting results and opportunities for innovation.
Promote integration among business areas such as credit, risk, CRM, technology and finance.
Monitor market trends, technological innovations and regulatory changes, incorporating these elements into strategies.
Support the diagnosis, projection and definition of the provision for doubtful accounts (PDD) budget.
Requirements
Bachelor's degree in Administration, Economics, Statistics, Engineering, Actuarial Science, Mathematics, Information Systems or related fields.
Knowledge of credit risk management and financial products.
Strong knowledge of collections KPIs.
Experience in defining segmented policies and/or credit recovery strategies.
Minimum of 4 years' experience in strategic analysis, analytics, business intelligence or planning in credit and collections.
Experience in strategic projects and interaction with executive areas.
Ability to communicate clearly when interacting with internal and external stakeholders, demonstrating negotiation and conflict resolution skills.
Advanced proficiency in data analysis, statistical techniques and handling large volumes of data.
Advanced Excel skills.
Proficiency in at least one programming language (SQL, Python, R, etc.).
Familiarity with risk indicators, macroeconomic scenarios and regulatory frameworks.
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