Collections Analyst (Analista de Cobrança) - São Paulo / SP (Hybrid)

The role

The person will increase the operational efficiency of the Collections team through process automation. They will also establish control, operational routines, and governance for external vendors and partners.

What you will do

• Contact delinquent customers via WhatsApp and email
• Respond to Customer Happiness tickets and related areas
• Participate in Collections team projects like API development and self-negotiation tools
• Identify, prioritize, and implement automation opportunities for collections operations
• Scale existing initiatives such as CCB generation flow and discount negotiation agents
• Act as the main point of contact for strategic collections and recovery vendors
• Establish an operational cadence to monitor Service Level Agreements (SLAs)
• Lead contract negotiations and renegotiations
• Evaluate new vendors and market opportunities

Required qualifications

• Prior experience with process automation tools (such as n8n or similar); or, alternatively, a strong technical foundation (knowledge of Claude, ChatGPT, Gemini, n8n, or other AI tools) and genuine int
• Experience in collections, credit recovery, financial operations, or related operational areas
• Experience with CCB generation and CNAB flows with securitization companies and banking partners
• Experience managing vendors or external partners, including SLA tracking
• Strong analytical skills, including data interpretation, objective prioritization based on effort versus impact, and reporting development
• Ability to identify opportunities, design solutions, implement them, and measure results
• Clear communication to report progress and results to leadership and partner teams

Nice to have

• Intermediate/advanced English (B2–C2)
• Knowledge of SQL and/or BI (Business Intelligence) tools, such as Metabase, for performance metrics tracking
• Prior experience in fintechs, securitization companies, or banks
• A good sense of humor

Benefits

• Competitive salary
• Stock options (ESOP) from day one
• An annual learning budget
• Accelerated development paths

About the company

Clara is the leading platform in Latin America for companies to execute and manage every payment operation. They are a team of ~400 people backed by several investment firms.