About CredixCredix is a FinTech company dedicated to growing businesses in Latin America.We originate more than R$700M per year in B2B credit to Brazilian SMEs through CrediPay, our embedded finance platform. We operate in a segment where traditional financial infrastructure is limited, building proprietary credit intelligence and risk frameworks that do not yet exist in this market.By combining structured capital markets solutions with real-time credit decisioning, we enable marketplaces and suppliers to offer seamless payment terms to their buyers, while we manage risk, pricing, and capital efficiency behind the scenes.We are not a traditional lender. We are building the risk engine that powers scalable B2B commerce in Brazil.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 you can learn, grow, and take on meaningful responsibilities.About the jobWe 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.Qualifications5+ years of experience in credit risk, portfolio management, or structured lendingAdvanced SQL required; Python strongly preferredProven ownership of Cost of Risk (CoR) and portfolio performanceStrong understanding of credit cycles, concentration risk, and sector deteriorationHands-on experience with provisioning models (e.g., IFRS9) and expected loss methodologiesExperience building risk-adjusted pricing frameworksStrong commercial judgment — able to enable growth while protecting downside riskExperience working closely with collections or recovery teamsClear communicator, able to translate portfolio insights into business steering decisionsExperience with structured vehicles (e.g., FIDC) preferredResponsibilitiesOwn portfolio steering across channels, sectors, ratings, and accountsMonitor large exposures and concentration riskSteer origination mix to balance growth and profitabilityDeliver Cost of Risk in line or better than budgetOwn and improve provisioning logic and expected loss methodologiesReduce variance between expected and realised lossesWork closely with Collections to incorporate recovery insights into forecasting assumptionsOwn risk-adjusted pricing logic for new and existing proposalsPartner with GTM to structure commercially competitive yet disciplined offersBuild scalable pricing and steering tooling to support faster decision-makingAlign portfolio strategy with treasury constraints and capital efficiencyWhat we offerCollaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow. With access to our offices in Sao Paulo, you'll immerse yourself in a culture of innovation and collaboration.But that's just the beginning - here's what else we offer:A culture of learning and experimentation: where you are encouraged to explore new ideas and technologiesCompetitive salary package: Your hard work deserves recognition, and we ensure you're well-rewarded for your contributions.Equity stock options plan: Be a part of our journey towards success and share in the rewards.Paid holidays: Enjoy the flexibility to recharge and rejuvenateoff-sites: Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.